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  1. Home
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  4. American Express Gold Card vs Hilton Honors Surpass Card

American Express Gold Card vs Hilton Honors Surpass Card

Side-by-side comparison of fees, rewards, benefits, and more.

How to read missing comparison values

  • A dash (—) means that value is not currently available for that card.
  • Coverage labels like 2/4 cards show how many selected cards have that metric populated.
  • Card Type, Card Tier, Rating, and Reward Program are editorial/CMS fields and may still be pending enrichment.
Swipe horizontally to compare all columns
Feature
American Express Gold Card
American Express Gold Card
Hilton Honors American Express Surpass® Card
Hilton Honors Surpass Card
Basic Information
Issuer
American ExpressAmerican Express
Card Network
Card Type
Data: 2/2 cards
traveltravel
Card Tier
Data: 2/2 cards
PremiumMid Tier
Credit Score
Good(700-749)Good(700-749)
Rating
Data: 0/2 cards
——
Fees & APR
Annual Fee
$325$150
Foreign Transaction Fee
NoneNone
Purchase APR
20.99% – 29.99%19.99% – 29.99%
Intro APR
—0% for 6 months
Rewards
Welcome Bonus
Earn 60,000 pointsEarn 130,000 points
Bonus Value
$1,200$1,300
Reward Rate
Data: 2/2 cards
4x pts on restaurants worldwide14x pts on hilton hotels and resorts
Reward Program
Data: 2/2 cards
Membership RewardsMembership Rewards
Earning Rates
All other purchases1x pts1x on all other eligible purchases—
Flights booked directly with airlines or on amextravel.com3x pts3x on flights booked directly with airlines or on amextravel.com—
Hilton hotels and resorts—14x pts
Restaurants worldwide4x pts4x at restaurants worldwide—
U.S. Supermarkets4x pts4x at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x—
Benefits
Key Benefits
  • Baggage Insurance Plan
  • Dining Credit
  • Extended Warranty Protection
  • +5 more
  • Hilton Honors Gold Status