Chase Sapphire Reserve® vs Hilton Honors Surpass®
Side-by-side comparison
| Chase Sapphire Reserve® | Hilton Honors Surpass® | |
|---|---|---|
| Annual fee | $795 | $150 |
| Welcome offer | 100,000 Ultimate Rewards® Points | |
| Dining | 3x | 6x |
| Groceries | 1x | 6x |
| Gas | 1x | 6x |
| Travel | 4x | 1x |
| Streaming | 1x | 3x |
| Everything else | 1x | 3x |
| Est. yearly rewards* | $406 | $1,174 |
| Points type | Transfers to airlines & hotels | Locked to Hilton Honors |
| Network | Visa | Amex |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Chase Sapphire Reserve® earns about $406 a year in rewards and the Hilton Honors Surpass® about $1,174, valuing every point at a flat 1 cent. The Chase Sapphire Reserve® charges $795, but carries about $2,108 in annual statement credits that offset it for anyone who uses them. The Hilton Honors Surpass® charges $150, but carries about $235 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the Hilton Honors Surpass® delivers more total value, about $476 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and everything else. The bigger difference is the ceiling: the Chase Sapphire Reserve® earns points you can move to travel partners for outsized value, while the Hilton Honors Surpass® stays locked to a single airline or hotel program. Favor the Chase Sapphire Reserve® if you will use travel transfers, the Hilton Honors Surpass® if you want simplicity. On the sign-up bonus, the Hilton Honors Surpass® currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Chase Sapphire Reserve® if your spending leans toward travel. Pick the Hilton Honors Surpass® if your spending leans toward dining, groceries, gas.