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 World of Hyatt Credit Card
Both are hotel travel cards. The Hilton Honors Surpass comes from American Express at $150/yr; the World of Hyatt Credit Card from Chase at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the World of Hyatt Credit Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,020 more in estimated value) than the Hilton Honors Surpass's. Get the World of Hyatt Credit Card first; revisit the Hilton Honors Surpass after you've earned that bonus.
| Feature | Hilton Honors Surpass | World of Hyatt Credit Card |
|---|---|---|
| Annual fee | $150 | $95 |
| Sign-up bonus | 130,000 Hilton Honors Bonus Points | Up to 60,000 Bonus Points |
| Bonus value (est.) | - | $1,020 |
| Min spend to unlock bonus | $3,000 in 6 mo | - |
| Issuer | American Express | Chase |
| Card category | hotel | hotel |
| Transfer partners | None | None |
| 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
World of Hyatt Credit Card
$95/yr · Up to 60,000 Bonus Points
Editorial take: World of Hyatt Credit Card
The anniversary free night at a Category 1-4 Hyatt easily covers the $95 fee, even a Category 1 Hyatt Place clears it. If you stay at any Hyatt once a year, this card pays for itself.
Common questions
- Which card has the bigger sign-up bonus, Hilton Honors Surpass or World of Hyatt Credit Card?
- The World of Hyatt Credit Card has a public bonus (Up to 60,000 Bonus Points, worth roughly $1,020), 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 World of Hyatt Credit Card?
- 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 World of Hyatt Credit Card's, pick the one whose perks you'll actually use.
- Can I have both the Hilton Honors Surpass and World of Hyatt Credit Card?
- Yes, since they're from different issuers (American Express and Chase) 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 World of Hyatt Credit Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Hilton Honors Surpass: $3,000 spend in 6 months. World of Hyatt Credit Card: no published min spend. 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.