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Blue Cash Preferred® Card from American Express vs Hilton Honors American Express Surpass® Card
This comparison aims to help you decide between the Blue Cash Preferred® Card from American Express and the Hilton Honors American Express Surpass® Card. Both cards offer unique benefits tailored to different spending habits and lifestyles, making it essential to understand their features before making a choice.
Card Overviews
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express is designed for individuals who frequently shop at U.S. supermarkets and enjoy streaming services. It offers generous cash back rewards on everyday purchases, making it appealing for families and heavy spenders in these categories.
Hilton Honors American Express Surpass® Card
The Hilton Honors American Express Surpass® Card is tailored for travelers and Hilton loyalists. It provides robust rewards for hotel stays and dining, along with premium benefits such as complimentary Gold Status and statement credits for Hilton purchases, making it ideal for frequent travelers and Hilton patrons.
Detailed Feature Comparison
| Feature | Blue Cash Preferred® Card | Hilton Honors American Express Surpass® Card |
|---|---|---|
| Annual Fee | $0 intro annual fee for the first year, then $95 | $150 |
| Welcome Bonus | $250 statement credit after spending $3,000 in first 6 months | 130,000 Hilton Honors Bonus Points after spending $3,000 in first 6 months |
| Rewards Structure | 6% Cash Back at U.S. supermarkets, 6% on select U.S. streaming subscriptions, 3% at U.S. gas stations and transit, 1% on other purchases | 12X Points at Hilton, 6X at U.S. restaurants, supermarkets, gas stations, 4X on U.S. Online Retail, 3X on other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | $0 intro plan fees for Plan It® during first 12 months | $50 in statement credits each quarter for Hilton purchases |
| Additional Benefits | $84 Disney Bundle Credit, Cash Back redemption options | Complimentary Hilton Honors Gold Status, Free Night Reward after $15,000 spent |
Rewards Highlights
Blue Cash Preferred® Card from American Express Rewards
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
- 6% Cash Back on select U.S. streaming subscriptions
- 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
- 3% Cash Back at U.S. gas stations
- 1% Cash Back on other purchases
Hilton Honors American Express Surpass® Card Rewards
- Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio
- Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations
- Earn 4X Points for each dollar on U.S. Online Retail Purchases
- Earn 3X Points for all other eligible purchases on your Card
Pros and Cons
Blue Cash Preferred® Card from American Express Pros
- High cash back rates on common everyday purchases
- Generous welcome bonus
- Disney Bundle credit adds extra value
- Flexible cash back redemption options
Blue Cash Preferred® Card from American Express Cons
- Annual fee after the first year
- Limited to cash back on certain categories
Hilton Honors American Express Surpass® Card Pros
- Excellent rewards for Hilton hotel stays
- Complimentary Gold Status enhances travel experience
- Quarterly statement credits for Hilton purchases
- Strong points earning potential across various categories
Hilton Honors American Express Surpass® Card Cons
- Higher annual fee compared to some competitors
- Best benefits are geared towards frequent travelers
Who Should Consider Which Card?
The Blue Cash Preferred® Card from American Express is best suited for individuals and families who frequently shop at supermarkets and streaming services, allowing them to maximize cash back on daily expenses.
On the other hand, the Hilton Honors American Express Surpass® Card is ideal for travelers who prefer staying at Hilton properties, as it provides valuable rewards and benefits directly related to hotel stays and travel perks.
Conclusion
In summary, both the Blue Cash Preferred® Card from American Express and the Hilton Honors American Express Surpass® Card offer unique advantages tailored to different user needs. Consider your individual spending habits and financial goals to determine which card aligns better with your lifestyle.