Hilton Honors Surpass® vs Capital One Spark Cash Plus
Side-by-side comparison
| Hilton Honors Surpass® | Capital One Spark Cash Plus | |
|---|---|---|
| Annual fee | $150 | $150 |
| Welcome offer | $2,000 cash back | |
| Advertising | 3% | 2% |
| Shipping | 3% | 2% |
| Office supplies | 3% | 2% |
| Phone & internet | 3% | 2% |
| Travel | 1% | 2% |
| Everything else | 3% | 2% |
| Est. yearly rewards* | $1,380 | $900 |
| Points type | Locked to Hilton Honors | Pools with Capital One → transferable |
| 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 business spending, the Hilton Honors Surpass® earns about $1,380 a year in rewards and the Capital One Spark Cash Plus about $900, 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 Capital One Spark Cash Plus charges $150, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Hilton Honors Surpass® delivers more total value, about $580 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. The bigger difference is the ceiling: the Capital One Spark Cash Plus 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 Capital One Spark Cash Plus if you will use travel transfers, the Hilton Honors Surpass® if you want simplicity. On the sign-up bonus, the Capital One Spark Cash Plus currently has the larger welcome offer. Note that Hilton Honors Surpass® is running a limited-time offer above the usual amount, so that edge may not last. 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 advertising, shipping, office supplies. Pick the Capital One Spark Cash Plus if your spending leans toward travel.