Discover it® Cash Back vs Hilton Honors Surpass®
Side-by-side comparison
| Discover it® Cash Back | Hilton Honors Surpass® | |
|---|---|---|
| Annual fee | No annual fee | $150 |
| Welcome offer | Cashback Match, all cash back earned in year 1 doubled | |
| Dining | 1x | 6x |
| Groceries | 1x | 6x |
| Gas | 1x | 6x |
| Travel | 1x | 1x |
| Streaming | 1x | 3x |
| Everything else | 1x | 3x |
| Est. yearly rewards* | $292 | $1,174 |
| Points type | Cash back only | Locked to Hilton Honors |
| Network | Discover | 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 Discover it® Cash Back earns about $292 a year in rewards and the Hilton Honors Surpass® about $1,174, valuing every point at a flat 1 cent. The Discover it® Cash Back has no annual fee, so its rewards are all profit. 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 $849 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 Hilton Honors Surpass® if your spending leans toward dining, groceries, gas.