Hilton Honors Surpass vs Xbox
Hilton Honors Surpass
$95/yr
7.0/10
VS
Xbox
$0/yr
7.0/10
Quick Answer
Hilton Honors Surpass charges $95/yr with 1X base rewards. Xbox charges no annual fee with 1X base rewards. Xbox 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
Xbox
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
Xbox wins for most people
The $95 fee difference is hard to justify unless you maximize premium benefits.
Apply for XboxPREMIUM 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 |
Xbox
| Xbox purchases | 5.0X |
| Dining, grocery, entertainment | 3.0X |
| Everything else | 1.0X |