Hilton Honors American Express Surpass Card vs. Capital One Venture Rewards Credit Card
On the criteria below, Capital One Venture Rewards Credit Card wins 2 of 3. The verdict depends on which criteria matter to you.
Hilton Honors American Express Surpass Card
Amex
Capital One Venture Rewards Credit Card
Capital One
Capital One Venture Rewards Credit Card wins 2 of 3 criteria here, making it the stronger all-rounder.
Hilton Honors American Express Surpass Card wins on earning ceiling; Capital One Venture Rewards Credit Card wins on first-year math and annual fee.
Pick the Capital One Venture Rewards Credit Card if year-one math is your priority; take the Capital One Venture Rewards Credit Card if you want a cheaper card to keep long-term.
Who wins what
1 vs 2- First-year math Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card wins on bonus value minus annual fee.
- Annual fee Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card is $55 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 5×).
By the numbers
- Annual fee
- $150
- $95
- Welcome offer (typical value)
- $650
- $1,125
- First-year net
- +$500
- +$1,030
- Peak earning rate
- 12×
- 5×
- Top categories
- Hotels Resorts, Dining, U.S. Supermarkets
- Travel Portal, Capital One Entertainment
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- Yes
- Yes
- Foreign transaction fee
- None
- None
- Reward currency
- Hilton Honors
- Capital One Miles
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.