Hilton Honors American Express Surpass Card vs Bilt Mastercard

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

Snapshot

	Hilton Honors American Express Surpass Card	Bilt Mastercard
Issuer	American Express	Wells Fargo
Network	American Express	Mastercard
Card Material	Plastic	Plastic
Annual Fee	$150.00	$0.00
Base Rate	3.00%	1.00%
Travel Rewards	0.00x	2.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Active	Available

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%	3.0%
Supermarkets	6.0%	1.0% (base)
Gas Stations	6.0%	1.0% (base)
Online Retail	4.0%	1.0% (base)
Rent (up to 100K points/year)	3.0% (base)	1.0%
Travel	3.0% (base)	2.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	15 partners
Annual Credits	None	None

Transfer Partners

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1:1

Pricing Details

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

Insurance & Protections

Auto Rental	—	Primary
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	Covered up to $800 per claim (subject to $25 deductible)
Extended Warranty	—	—
Purchase Protection	—	Covered up to $10,000 per claim
Return Protection	—	—
Trip Cancellation Interruption	—	Covered up to $5,000 per passenger
Trip Delay	—	Covered up to $200 per day
Tsa Precheck Global Entry	—	—

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	Standard