Hilton Honors Surpass vs Wyndham Rewards Earner
Hilton Honors Surpass
$95/yr
7.0/10
VS
Wyndham Rewards Earner
$0/yr
7.0/10
Quick Answer
Hilton Honors Surpass charges $95/yr with 1X base rewards. Wyndham Rewards Earner charges no annual fee with 1X base rewards. Wyndham Rewards Earner offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Wyndham Rewards Earner
Lower annual fee ($95 vs $0)
Rewards Earning
Hilton Honors Surpass
6 earning categories
Benefits & Protection
See card details
Visit each card's review for full benefits list
Flexibility
Hilton Honors Surpass
Transferable points to airline/hotel partners
OUR PICK
Wyndham Rewards Earner wins for most people
The $95 fee difference is hard to justify unless you maximize premium benefits.
Apply for Wyndham Rewards EarnerPREMIUM PICK
Hilton Honors Surpass wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Hilton Honors SurpassRewards Earning: Detailed Comparison
Hilton Honors Surpass
| Hilton hotels | 12.0X |
| US restaurants | 6.0X |
| US supermarkets | 6.0X |
| US gas stations | 6.0X |
| US online retail | 4.0X |
| Everything else | 3.0X |
Wyndham Rewards Earner
| Wyndham hotel & resorts | 5.0X |
| Gas stations & restaurants | 2.0X |
| Everything else | 1.0X |