Hilton Honors American Express Surpass Card vs Navy Federal More Rewards American Express®
Annual fees: Hilton Honors American Express Surpass Card $150/yr, Navy Federal More Rewards American Express® $0/yr. Strongest bonus categories: Hilton Honors American Express Surpass Card on gas stations, Navy Federal More Rewards American Express® on dining.
Card data as of November 13, 2026.
- Hilton Honors American Express Surpass Card
American Express · $150/yr
- Navy Federal More Rewards American Express®
Navy Federal · No annual fee
Overview
- Annual fee
- Hilton Honors American Express Surpass Card$150Navy Federal More Rewards American Express®$0Lowest
- Welcome offerCurrent public offer
- Hilton Honors American Express Surpass Card130,000 pointsNavy Federal More Rewards American Express®20,000 points
- Rewards
- Hilton Honors American Express Surpass CardHilton HonorsNavy Federal More Rewards American Express®Navy Federal Credit Union Points
- Foreign transaction fee
- Hilton Honors American Express Surpass CardNoneNavy Federal More Rewards American Express®None
- Network
- Hilton Honors American Express Surpass CardAmerican ExpressNavy Federal More Rewards American Express®American Express
Earn ratesPer $1 spent
- Dining
- Hilton Honors American Express Surpass Card6xHighestNavy Federal More Rewards American Express®3x
- Gas Stations
- Hilton Honors American Express Surpass Card6xHighestNavy Federal More Rewards American Express®3x
- Grocery Stores
- Hilton Honors American Express Surpass Card6xHighestNavy Federal More Rewards American Express®3x
- Online Shopping
- Hilton Honors American Express Surpass Card4xHighestNavy Federal More Rewards American Express®1x
- Transit
- Hilton Honors American Express Surpass Card3xNavy Federal More Rewards American Express®3x
- Everything else
- Hilton Honors American Express Surpass Card3xHighestNavy Federal More Rewards American Express®1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Hilton Honors American Express Surpass Card
- $200 Hilton property credit
Navy Federal More Rewards American Express®—
Perks & access— means none on record
- Hotel status & programs
- Hilton Honors American Express Surpass Card
- Automatic Hilton Honors Gold Elite Status
- Hilton Honors™ Upgrade to Diamond Status
Navy Federal More Rewards American Express®— - Car rental
- Hilton Honors American Express Surpass Card
- National Car Rental Emerald Club Executive Status
Navy Federal More Rewards American Express®— - Other perks
- Hilton Honors American Express Surpass Card
- Amex Offers
- Early access to concerts and events
- 24/7 global travel assistance
Navy Federal More Rewards American Express®—
Protections & insuranceLimits where published · — means none on record
- Baggage
- Hilton Honors American Express Surpass Card
- Baggage insurance
Navy Federal More Rewards American Express®— - Rental car
- Hilton Honors American Express Surpass Card
- Car rental insurance
Navy Federal More Rewards American Express®- Car Rental Loss and Damage Insurance · up to $50,000
- Purchase & returns
- Hilton Honors American Express Surpass Card
- Up to $1,000 per item against damage or theft
Navy Federal More Rewards American Express®- Retail Protection · up to $1,000
- Extended warranty
- Hilton Honors American Express Surpass Card
- Extended warranty adds up to 1 year
Navy Federal More Rewards American Express®- Extended Warranty
- Other protections
- Hilton Honors American Express Surpass Card
- Zero liability protection on fraudulent charges
Navy Federal More Rewards American Express®- Roadside Assistance
Pros & cons
- Pros
- Hilton Honors American Express Surpass Card
- Automatic Hilton Gold status with room upgrades and breakfast at select properties
- Earn Diamond status through $40,000 annual spend (extends through end of next year)
- $200 annual Hilton credit ($50 per quarter) covers most of the annual fee
- Free Night Reward earned after $15,000 annual spend
- Strong earning at 12X at Hilton, 6X at restaurants/supermarkets/gas
Navy Federal More Rewards American Express®— - Cons
- Hilton Honors American Express Surpass Card
- $150 annual fee with no first-year waiver
- Quarterly credits require spending at Hilton properties (use-it-or-lose-it each quarter)
- Points locked to Hilton program with no transfer flexibility
- Amex network less accepted than Visa/Mastercard internationally
- Diamond status requires significant $40,000 spend threshold
Navy Federal More Rewards American Express®—
Category-by-Category Winner
The Hilton Honors American Express Surpass Card wins in 5 of 5 categories. The Navy Federal More Rewards American Express® leads in 0.
Gas Stations
Hilton Honors American Express Surpass Card earns 6X vs 3X
Dining
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 1X
Everyday purchases
Hilton Honors American Express Surpass Card earns 3X on all other spending vs 1X
Year One vs Ongoing Value
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.
Modeled value is close across spend levels — especially once statement credits are counted.
| Scenario | Hilton Honors American Express Surpass Card | Navy Federal More Rewards American Express® | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $202 Credits (our usable estimate): $120 − Annual fee ($150) Ongoing: $172 Year one: $692 | Rewards: $216 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $216 Year one: $216 | Close — depends on how much of the credits you use | Hilton Honors American Express Surpass Card |
| Heavy spender: $4,000/month | Rewards: $806 Credits (our usable estimate): $120 − Annual fee ($150) Ongoing: $776 Year one: $1,296 | Rewards: $864 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $864 Year one: $864 | Navy Federal More Rewards American Express® | Hilton Honors American Express Surpass Card |
Is the Fee Difference Worth It?
The Hilton Honors American Express Surpass Card costs $150/yr — that's $150 more than the Navy Federal More Rewards 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.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $150 fee gap means the Hilton Honors American Express Surpass Card needs roughly $150 more in annual rewards (or credits you will use) to break even on gas stations and dining and everyday spend.
Which Card Is Right for You?
Get the Hilton Honors American Express Surpass Card if you:
- +Prefer a high flat rate across all spending
The Bottom Line
Modeled value is close across spend levels — especially once statement credits are counted.
Everyday (non-bonus) spend earns 3X on the Hilton Honors American Express Surpass Card vs 1X on the other card.
Published annual fees: Hilton Honors American Express Surpass Card $150/yr, Navy Federal More Rewards American Express® $0/yr — a $150 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Hilton Honors American Express Surpass Card worth the higher annual fee?
- The Hilton Honors American Express Surpass Card costs $150/yr vs $0/yr for the Navy Federal More Rewards American Express®. Compare the year-one vs ongoing value table on this page — the $150 gap must be offset by higher earn rates, welcome offers, or credits you will use.
- Which card earns more rewards, the Hilton Honors American Express Surpass Card or Navy Federal More Rewards American Express®?
- The Hilton Honors American Express Surpass Card has a higher base earn rate (3X vs 1X), but both cards have different bonus categories where they excel.
- Should I get the Hilton Honors American Express Surpass Card or the Navy Federal More Rewards American Express®?
- Use the spend scenarios on this page: the Navy Federal More Rewards American Express® has a lower $0/yr fee; the Hilton Honors American Express Surpass Card must earn enough extra (or offer a larger welcome bonus) to justify $150/yr.
Related Comparisons
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.