Head to head

Hilton Honors American Express Surpass Card vs. Capital One Venture X Rewards Credit Card

Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.

Hilton Honors American Express Surpass Card

Amex

Capital One Venture X Rewards Credit Card

Capital One

At a glance

Hilton Honors American Express Surpass Card and Capital One Venture X Rewards Credit Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.

Hilton Honors American Express Surpass Card wins on annual fee and earning ceiling; Capital One Venture X Rewards Credit Card wins on first-year math and lounge access.

Pick the Capital One Venture X Rewards Credit Card if year-one math is your priority; take the Hilton Honors American Express Surpass Card if you want a cheaper card to keep long-term.

Who wins what

2 vs 2

First-year math Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card wins on bonus value minus annual fee.
Annual fee Hilton Honors American Express Surpass Card

Hilton Honors American Express Surpass Card is $245 cheaper to keep.
Earning ceiling Hilton Honors American Express Surpass Card

Hilton Honors American Express Surpass Card earns more on its best category (12× vs 10×).
Lounge access Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card includes lounge access; the other doesn't.

By the numbers

Annual fee: $150; $395
Welcome offer (typical value): $650; $1,125
First-year net: +$500; +$730
Peak earning rate: 12×; 10×
Top categories: Hotels Resorts, Dining, U.S. Supermarkets; Hotels Via Portal, Flights Via Portal
Lounge access: No; capital-one-lounge, priority-pass
Travel insurance: Yes; Yes
Elite status: Yes; Yes
Foreign transaction fee: None; None
Reward currency: Hilton Honors; Capital One Miles

Full review Hilton Honors American Express Surpass Card

Full review Capital One Venture X Rewards Credit Card

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