Compare Cards: Hilton Honors American Express Aspire Card vs. Hilton Honors American Express Surpass Card vs. Chase Hyatt

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Earning Rates	Hilton Honors American Express Aspire Card American Express lounge-accesspremiumhotelairline Details	Hilton Honors American Express Surpass Card American Express hotelpremiumno-foreign-transaction-fee Details	Chase Hyatt Chase hotel Details
First-year value Welcome offer + annual credits − annual fee	+$1,259	+$700	+$965
Annual Fee	$550	$150	$95
Credit Required	Excellent	Good	Good
Foreign Fee	Waived	Waived	Waived
Welcome Offer	200,000 pts Limited-time offer: Earn 200,000 Hilton Honors Bonus Points after you spend $6,000 in eligible purchases on your Card in the first 6 months of Card Membership. Offer ends 1/13/2027. Spend $6,000 in 6 mo	130,000 pts Limited-time offer: Earn a Free Night Reward + 130,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases on your Card in the first 6 months of Card Membership. Offer ends 1/13/2027. Spend $3,000 in 6 mo	60,000 pts Earn up to 60,000 bonus points with purchases of $15,000 in the first 6 months: 30,000 World of Hyatt bonus points after spending $3,000 in the first 3 months, plus up to 30,000 more by earning 2 bonus points total per $1 on purchases that normally earn 1 point, on up to $15,000 spent in the first 6 months. Spend $15,000 in 6 mo
Network	amex	amex	visa
Earning Rates
Airlines	—	—	2×
All other purchases	—	—	1×
Car rentals	7× On car rentals booked directly from select car rental companies	—	—
Dining	—	—	2×
Flights	7× On flights booked directly with airlines or through Amex Travel	—	—
Gas Stations	—	6× Earn 6X at U	—
Hilton Hotels	—	12× Earn 12X points at Hilton properties	—
Hilton purchases	14× On eligible purchases made directly with hotels and resorts within the Hilton portfolio	—	—
Hyatt	—	—	5×
Other	3× All other eligible purchases	3× Earn 3X on all other purchases	—
Restaurants	—	6× Earn 6X at U	—
Supermarkets	—	6× Earn 6X at U	—
U.S. restaurants	7× At U	—	—
Benefits & Credits	Annual Credits Hilton Resort Credit - $200/half ($400/year) on eligible Hilton Resort purchases (room + incidentals) Flight Credit - $50/quarter ($200/year) on flight purchases via airline direct or Amex Travel CLEAR Plus Credit - Up to $209/year statement credit for CLEAR Plus membership (auto-renewal required) Hilton Annual Free Night RewardFNA - Annual Free Night Reward from Hilton Honors in the first year of Card Membership and every year upon Card renewal Hotel Status Hilton HonorsDiamond Elite Lounge Access 0 1 Other Benefits Fine Hotels + Resorts: Elite benefits at select hotels The Hotel Collection: Extra benefits at select hotels Additional Free Night Rewards with Spend: Earn an additional Free Night Reward after spending $30,000 in purchases in a calendar year, and another after spending $60,000 in purchases in the same calendar year; terms apply	Annual Credits Hilton Quarterly Statement Credit - Up to $50/quarter on Hilton property purchases ($200/year total) Hotel Status Hilton HonorsGold Elite	Annual Credits DoorDash Non-Restaurant Credit - $10/quarter ($40/year) at checkout on one qualifying non-restaurant DoorDash order Free Night Award (Hyatt Cat 1-4)FNA - 1 Free Night Award at any Hyatt Cat 1-4 property each cardmember anniversary
Insurance	Trip Delay Secondary Purchase Protection Extended Warranty	Trip Delay Secondary Purchase Protection Extended Warranty