Hilton Honors American Express Surpass Card vs Citi ThankYou Preferred Card

Side-by-side comparison of Hilton Honors American Express Surpass Card and Citi ThankYou Preferred Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Hilton Honors American Express Surpass Card	Citi ThankYou Preferred Card
Issuer	American Express	Citibank
Network	American Express	Mastercard
Card Material	Plastic	Plastic
Annual Fee	$150.00	$0.00
Base Rate	3.00%	1.00%
Travel Rewards	0.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	3%
Lifecycle	Active	Grandfathered

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	3.0% (base)	1.0% (base)
Hotels	12.0%	1.0% (base)
Restaurants	6.0%	2.0%
Supermarkets	6.0%	1.0% (base)
Gas Stations	6.0%	1.0% (base)
Online Retail	4.0%	1.0% (base)
Entertainment	3.0% (base)	2.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	12.74% - 21.74%	10.99% - 18.99%
Cash Advance APR	28.74%	21.24%
Penalty APR	29.99%	21.49%
Late Fee	$40	$41
Balance Transfer Fee	N/A	undefined% (min $0)

Insurance & Protections

Auto Rental	—	—
Trip Cancellation Interruption	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Citi 8/65