Hilton Honors American Express Surpass Card vs. United Club Infinite Card
On the criteria below, Hilton Honors American Express Surpass Card wins 3 of 4. The verdict depends on which criteria matter to you.
Hilton Honors American Express Surpass Card
Amex
United Club Infinite Card
Chase
Hilton Honors American Express Surpass Card wins 3 of 4 criteria here, making it the stronger all-rounder.
Hilton Honors American Express Surpass Card wins on first-year math, annual fee, and earning ceiling; United Club Infinite Card wins on lounge access.
Pick the Hilton Honors American Express Surpass 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
3 vs 1- First-year math Hilton Honors American Express Surpass Card
Hilton Honors American Express Surpass Card wins on bonus value minus annual fee.
- Annual fee Hilton Honors American Express Surpass Card
Hilton Honors American Express Surpass Card is $545 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 11×).
- Lounge access United Club Infinite Card
United Club Infinite Card includes lounge access; the other doesn't.
By the numbers
- Annual fee
- $150
- $695
- Welcome offer (typical value)
- $650
- $1,170
- First-year net
- +$500
- +$475
- Peak earning rate
- 12×
- 11×
- Top categories
- Hotels Resorts, Dining, U.S. Supermarkets
- Airfare, Travel, Hotels Resorts
- Lounge access
- No
- United Club
- Travel insurance
- Yes
- Yes
- Elite status
- Yes
- No
- Foreign transaction fee
- None
- None
- Reward currency
- Hilton Honors
- United MileagePlus
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.