Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Annual fees: Hilton Honors American Express Aspire Card $550/yr, Hilton Honors American Express Surpass Card $150/yr. Strongest bonus categories: Hilton Honors American Express Aspire Card on hotels, Hilton Honors American Express Surpass Card on gas stations.
Card data as of September 27, 2026.
American Express
American Express
Annual Fee
Welcome Bonus
| Category | Hilton Honors American Express Aspire Card | Hilton Honors American Express Surpass Card |
|---|---|---|
| Hotels | 14X | 3X |
The Hilton Honors American Express Aspire Card wins in 4 of 7 categories. The Hilton Honors American Express Surpass Card leads in 3.
Hotels
Hilton Honors American Express Aspire Card earns 14X vs 3X
Car Rentals
Hilton Honors American Express Aspire Card earns 7X vs 3X
Flights
Hilton Honors American Express Aspire Card earns 7X vs 3X
Dining
Hilton Honors American Express Aspire Card earns 7X vs 6X
Gas Stations
Hilton Honors American Express Surpass Card earns 6X vs 3X
Grocery Stores
Hilton Honors American Express Surpass Card earns 6X vs 3X
Online Shopping
Hilton Honors American Express Surpass Card earns 4X vs 3X
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Close — depends on how much of the credits you use
Published annual fees: Hilton Honors American Express Aspire Card $550/yr, Hilton Honors American Express Surpass Card $150/yr — a $400 difference before welcome offers and credits.
| Car Rentals | 7X | 3X |
| Dining | 7X | 6X |
| Flights | 7X | 3X |
| Gas Stations | 3X | 6X |
| Grocery Stores | 3X | 6X |
| Online Shopping | 3X | 4X |
| Everything Else | 3X | 3X |
Network
Key Benefits
Pros
Cons
Close — depends on how much of the credits you use
| Scenario | Hilton Honors American Express Aspire Card | Hilton Honors American Express Surpass Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $173 Credits (our usable estimate): $545 − Annual fee ($550) Ongoing: $168 Year one: $768 | Rewards: $202 Credits (our usable estimate): $120 − Annual fee ($150) Ongoing: $172 Year one: $692 | Close — depends on how much of the credits you use | Close — depends on how much of the credits you use |
| Heavy spender: $4,000/month | Rewards: $691 Credits (our usable estimate): $545 − Annual fee ($550) Ongoing: $686 Year one: $1,286 | Rewards: $806 Credits (our usable estimate): $120 − Annual fee ($150) Ongoing: $776 Year one: $1,296 | Close — depends on how much of the credits you use | Close — depends on how much of the credits you use |
The Hilton Honors American Express Aspire Card costs $550/yr — that's $400 more than the Hilton Honors American Express Surpass Card ($150/yr). To justify that gap, you need to extract at least $400 in annual value from the card's higher earn rates and benefits.
The Hilton Honors American Express Aspire Card includes travel credits, lounge access, Global Entry/TSA PreCheck credit, complimentary hotel status. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $400 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $400 fee gap means the Hilton Honors American Express Aspire Card needs roughly $400 more in annual rewards (or credits you will use) to break even on hotels and car rentals and everyday spend.
Choosing one card means missing out on these benefits from the other.
Choosing Hilton Honors American Express Surpass Card means losing:
Get the Hilton Honors American Express Aspire Card if you:
Get the Hilton Honors American Express Surpass Card if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
