Hilton Honors Surpass® vs PayPal Cashback Mastercard
Side-by-side comparison
| Hilton Honors Surpass® | PayPal Cashback Mastercard | |
|---|---|---|
| Annual fee | $150 | No annual fee |
| Welcome offer | No current offer | |
| Dining | 6x | 1.5x |
| Groceries | 6x | 1.5x |
| Gas | 6x | 1.5x |
| Travel | 1x | 1.5x |
| Streaming | 3x | 1.5x |
| Everything else | 3x | 1.5x |
| Est. yearly rewards* | $1,174 | $437 |
| Points type | Locked to Hilton Honors | Cash back only |
| Network | Amex | Mastercard |
*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 Hilton Honors Surpass® earns about $1,174 a year in rewards and the PayPal Cashback Mastercard about $437, valuing every point at a flat 1 cent. The Hilton Honors Surpass® charges $150, but carries about $200 in annual statement credits that offset it for anyone who uses them. The PayPal Cashback Mastercard has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Hilton Honors Surpass® delivers more total value, about $686 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. Pick the PayPal Cashback Mastercard if your spending leans toward travel.