Editorial take: Hilton Honors Surpass
The sweet spot in the Hilton lineup. Gold status gets you free breakfast worth $30-50 per stay, and the free weekend night after spend typically covers a $300+ stay.
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Side-by-side
Hilton Honors Surpass vs Bilt Mastercard (legacy, Wells Fargo)
Both are well-respected travel cards. The Hilton Honors Surpass comes from American Express at $150/yr; the Bilt Mastercard (legacy, Wells Fargo) from Bilt / Wells Fargo at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Hilton Honors Surpass | Bilt Mastercard (legacy, Wells Fargo) |
|---|---|---|
| Annual fee | $150 | $0 |
| Sign-up bonus | 130,000 Hilton Honors Bonus Points | Closed to new applicants |
| Bonus value (est.) | - | $0 |
| Min spend to unlock bonus | $3,000 in 6 mo | $0 in 0 mo |
| Issuer | American Express | Bilt / Wells Fargo |
| Card category | hotel | travel |
| Transfer partners | None | bilt |
| Headline benefits |
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Read the full review
Hilton Honors Surpass
$150/yr · 130,000 Hilton Honors Bonus Points
Read the full review
Bilt Mastercard (legacy, Wells Fargo)
$0/yr · Closed to new applicants
Editorial take: Bilt Mastercard (legacy, Wells Fargo)
Closed to new applicants. Bilt launched its 2.0 portfolio (Blue / Obsidian / Palladium) on February 7, 2026 with Cardless as the new issuer. Existing Wells Fargo Bilt Mastercard holders are being migrated; new applicants should apply for one of the Bilt 2.0 tiers via biltrewards.com.
Common questions
- Which card has the bigger sign-up bonus, Hilton Honors Surpass or Bilt Mastercard (legacy, Wells Fargo)?
- The Bilt Mastercard (legacy, Wells Fargo) has a public bonus (Closed to new applicants, worth roughly $0), while the Hilton Honors Surpass doesn't advertise one right now.
- Is the Hilton Honors Surpass's $150 annual fee worth it compared to the Bilt Mastercard (legacy, Wells Fargo)?
- At $150/yr, the Hilton Honors Surpass is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Bilt Mastercard (legacy, Wells Fargo)'s, pick the one whose perks you'll actually use.
- Can I have both the Hilton Honors Surpass and Bilt Mastercard (legacy, Wells Fargo)?
- Yes, since they're from different issuers (American Express and Bilt / Wells Fargo) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Hilton Honors Surpass or the Bilt Mastercard (legacy, Wells Fargo) first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Hilton Honors Surpass: $3,000 spend in 6 months. Bilt Mastercard (legacy, Wells Fargo): $0 in 0 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.