Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
The Blue Cash Everyday Card from American Express ($0/yr) is better for everyday value, while the Hilton Honors American Express Surpass Card ($150/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

American Express

American Express
Annual Fee
Welcome Bonus
| Category | Blue Cash Everyday Card from American Express | Hilton Honors American Express Surpass Card |
|---|---|---|
| Hilton Hotels | 1X |
The Hilton Honors American Express Surpass Card wins in 7 of 7 categories. The Blue Cash Everyday Card from American Express leads in 0.
Grocery Stores
Hilton Honors American Express Surpass Card earns 6X vs 3X
Online Shopping
Hilton Honors American Express Surpass Card earns 4X vs 3X
Gas Stations
Hilton Honors American Express Surpass Card earns 6X vs 2X
Department Stores
Hilton Honors American Express Surpass Card earns 3X vs 2X
Hilton Hotels
Hilton Honors American Express Surpass Card earns 12X vs 1X
Dining
Hilton Honors American Express Surpass Card earns 6X vs 1X
Everyday purchases
Hilton Honors American Express Surpass Card earns 3X on all other spending vs 1X
The Hilton Honors American Express Surpass Card costs $150/yr — that's $150 more than the Blue Cash Everyday Card from American Express (no annual fee). To justify that gap, you need to extract at least $150 in annual value from the card's higher earn rates and benefits.
The Blue Cash Everyday Card from American Express has a lower annual fee ($0 vs $150), making it the more accessible option.
Choose the Blue Cash Everyday Card from American Express if you want solid rewards with a lower cost of entry. Choose the Hilton Honors American Express Surpass Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The Blue Cash Everyday Card from American Express ($0/yr) is better for everyday value, while the Hilton Honors American Express Surpass Card ($150/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

American Express

American Express
Annual Fee
Welcome Bonus
| Category | Blue Cash Everyday Card from American Express | Hilton Honors American Express Surpass Card |
|---|---|---|
| Hilton Hotels | 1X |
The Hilton Honors American Express Surpass Card wins in 7 of 7 categories. The Blue Cash Everyday Card from American Express leads in 0.
Grocery Stores
Hilton Honors American Express Surpass Card earns 6X vs 3X
Online Shopping
Hilton Honors American Express Surpass Card earns 4X vs 3X
Gas Stations
Hilton Honors American Express Surpass Card earns 6X vs 2X
Department Stores
Hilton Honors American Express Surpass Card earns 3X vs 2X
Hilton Hotels
Hilton Honors American Express Surpass Card earns 12X vs 1X
Dining
Hilton Honors American Express Surpass Card earns 6X vs 1X
Everyday purchases
Hilton Honors American Express Surpass Card earns 3X on all other spending vs 1X
The Hilton Honors American Express Surpass Card costs $150/yr — that's $150 more than the Blue Cash Everyday Card from American Express (no annual fee). To justify that gap, you need to extract at least $150 in annual value from the card's higher earn rates and benefits.
The Blue Cash Everyday Card from American Express has a lower annual fee ($0 vs $150), making it the more accessible option.
Choose the Blue Cash Everyday Card from American Express if you want solid rewards with a lower cost of entry. Choose the Hilton Honors American Express Surpass Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The Blue Cash Everyday Card from American Express ($0/yr) is better for everyday value, while the Hilton Honors American Express Surpass Card ($150/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

American Express

American Express
Annual Fee
Welcome Bonus
| Category | Blue Cash Everyday Card from American Express | Hilton Honors American Express Surpass Card |
|---|---|---|
| Hilton Hotels | 1X |
The Hilton Honors American Express Surpass Card wins in 7 of 7 categories. The Blue Cash Everyday Card from American Express leads in 0.
Grocery Stores
Hilton Honors American Express Surpass Card earns 6X vs 3X
Online Shopping
Hilton Honors American Express Surpass Card earns 4X vs 3X
Gas Stations
Hilton Honors American Express Surpass Card earns 6X vs 2X
Department Stores
Hilton Honors American Express Surpass Card earns 3X vs 2X
Hilton Hotels
Hilton Honors American Express Surpass Card earns 12X vs 1X
Dining
Hilton Honors American Express Surpass Card earns 6X vs 1X
Everyday purchases
Hilton Honors American Express Surpass Card earns 3X on all other spending vs 1X
The Hilton Honors American Express Surpass Card costs $150/yr — that's $150 more than the Blue Cash Everyday Card from American Express (no annual fee). To justify that gap, you need to extract at least $150 in annual value from the card's higher earn rates and benefits.
The Blue Cash Everyday Card from American Express has a lower annual fee ($0 vs $150), making it the more accessible option.
Choose the Blue Cash Everyday Card from American Express if you want solid rewards with a lower cost of entry. Choose the Hilton Honors American Express Surpass Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
| 12X |
| Dining | 1X | 6X |
| Gas Stations | 2X | 6X |
| Grocery Stores | 3X | 6X |
| Online Shopping | 3X | 4X |
| Department Stores | 2X | 3X |
| Everything Else | 1X | 3X |
Network
Key Benefits
Pros
Cons
Bottom line: The $150 difference is moderate. If you spend consistently on hilton hotels and gas stations, the Hilton Honors American Express Surpass Card's higher earn rates and benefits can easily cover the gap.
Get the Blue Cash Everyday Card from American Express if you:
Get the Hilton Honors American Express Surpass Card if you:
| 12X |
| Dining | 1X | 6X |
| Gas Stations | 2X | 6X |
| Grocery Stores | 3X | 6X |
| Online Shopping | 3X | 4X |
| Department Stores | 2X | 3X |
| Everything Else | 1X | 3X |
Network
Key Benefits
Pros
Cons
Bottom line: The $150 difference is moderate. If you spend consistently on hilton hotels and gas stations, the Hilton Honors American Express Surpass Card's higher earn rates and benefits can easily cover the gap.
Get the Blue Cash Everyday Card from American Express if you:
Get the Hilton Honors American Express Surpass Card if you:
| 12X |
| Dining | 1X | 6X |
| Gas Stations | 2X | 6X |
| Grocery Stores | 3X | 6X |
| Online Shopping | 3X | 4X |
| Department Stores | 2X | 3X |
| Everything Else | 1X | 3X |
Network
Key Benefits
Pros
Cons
Bottom line: The $150 difference is moderate. If you spend consistently on hilton hotels and gas stations, the Hilton Honors American Express Surpass Card's higher earn rates and benefits can easily cover the gap.
Get the Blue Cash Everyday Card from American Express if you:
Get the Hilton Honors American Express Surpass Card if you: