Hilton Honors American Express Surpass Card vs. World of Hyatt Credit Card
On the criteria below, World of Hyatt Credit Card wins 2 of 3. The verdict depends on which criteria matter to you.
Hilton Honors American Express Surpass Card
Amex
World of Hyatt Credit Card
Chase
World of Hyatt Credit Card wins 2 of 3 criteria here, making it the stronger all-rounder.
Hilton Honors American Express Surpass Card wins on earning ceiling; World of Hyatt Credit Card wins on first-year math and annual fee.
Pick the World of Hyatt Credit Card if year-one math is your priority; take the World of Hyatt Credit Card if you want a cheaper card to keep long-term.
Who wins what
1 vs 2- First-year math World of Hyatt Credit Card
World of Hyatt Credit Card wins on bonus value minus annual fee.
- Annual fee World of Hyatt Credit Card
World of Hyatt 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 4×).
By the numbers
- Annual fee
- $150
- $95
- Welcome offer (typical value)
- $650
- $1,080
- First-year net
- +$500
- +$985
- Peak earning rate
- 12×
- 4×
- Top categories
- Hotels Resorts, Dining, U.S. Supermarkets
- Hotels Resorts, Dining, Transit
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- Yes
- Yes
- Foreign transaction fee
- None
- None
- Reward currency
- Hilton Honors
- World of Hyatt
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.