United℠ Club vs Hilton Honors Surpass®
Side-by-side comparison
| United℠ Club | Hilton Honors Surpass® | |
|---|---|---|
| Annual fee | $695 | $150 |
| Welcome offer | Up to 90,000 bonus miles | |
| Dining | 2x | 6x |
| Groceries | 1x | 6x |
| Gas | 1x | 6x |
| Travel | 2x | 1x |
| Streaming | 1x | 3x |
| Everything else | 1x | 3x |
| Est. yearly rewards* | $340 | $1,174 |
| Points type | Locked to United MileagePlus | 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 United℠ Club earns about $340 a year in rewards and the Hilton Honors Surpass® about $1,174, valuing every point at a flat 1 cent. The United℠ Club charges $695, but carries about $750 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 $1,122 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and everything else. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. 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 United℠ Club if your spending leans toward travel. Pick the Hilton Honors Surpass® if your spending leans toward dining, groceries, gas.