Head to head

American Express Green Card vs. Hilton Honors American Express Surpass Card

On the criteria below, Hilton Honors American Express Surpass Card wins 1 of 3. The verdict depends on which criteria matter to you.

American Express Green Card

Amex

Amex

At a glance

Hilton Honors American Express Surpass Card wins 1 of 3 criteria here, making it the stronger all-rounder.

Hilton Honors American Express Surpass Card leads on earning ceiling, while American Express Green Card only ties the rest.

Pick the Hilton Honors American Express Surpass Card if year-one math is your priority.

0 vs 1 (2 tie)

First-year math Tie

Both cards land within $25 of each other after the annual fee.
Annual fee Tie

Same annual fee.
Earning ceiling Hilton Honors American Express Surpass Card

Hilton Honors American Express Surpass Card earns more on its best category (12× vs 3×).

Annual fee: $150; $150
Welcome offer (typical value): $640; $650
First-year net: +$490; +$500
Peak earning rate: 3×; 12×
Top categories: Dining Worldwide, Transit, Travel; Hotels Resorts, Dining, U.S. Supermarkets
Lounge access: No; No
Travel insurance: Yes; Yes
Elite status: No; Yes
Foreign transaction fee: None; None
Reward currency: American Express Membership Rewards; Hilton Honors

Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.