Hilton Honors Surpass® vs Capital One Spark Cash Select
Side-by-side comparison
| Hilton Honors Surpass® | Capital One Spark Cash Select | |
|---|---|---|
| Annual fee | $150 | No annual fee |
| Welcome offer | $750 cash back | |
| Advertising | 3% | 1.5% |
| Shipping | 3% | 1.5% |
| Office supplies | 3% | 1.5% |
| Phone & internet | 3% | 1.5% |
| Travel | 1% | 1.5% |
| Everything else | 3% | 1.5% |
| Est. yearly rewards* | $1,380 | $675 |
| 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 Select about $675, 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 Select 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 $655 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 Select 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 Select 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 Hilton Honors Surpass® if your spending leans toward advertising, shipping, office supplies. Pick the Capital One Spark Cash Select if your spending leans toward travel.