World of Hyatt vs Hilton Honors Surpass: Which Is Better In 2025?

Hilton Honors American Express Surpass® Breakdown

‍

[[ SINGLE_CARD * {"id": "1064", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Hilton Travelers", "headerHint": "Exceptional Benefits"} ]]

‍

Why We Like It

‍

This section breaks down the key reasons why the Hilton Honors American Express Surpass® Card stands out.

‍

• The card offers automatic Hilton Honors Gold status and has no foreign transaction fees, though it does come with an annual fee (See Rates & Fees).
• You can earn a high rate of points on Hilton purchases, as well as at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
• The value from perks like the daily food and beverage credit at U.S. properties and potential room upgrades can offset the annual fee in just a few stays (publisher-formulated estimate).

‍

Pros

‍

• Automatic Hilton Honors Gold status: This is a major perk, offering benefits like potential room upgrades and a daily food and beverage credit at U.S. properties.
• Strong rewards earning: The card offers accelerated points on Hilton purchases and on everyday spending categories like U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
• Valuable travel benefits: Cardholders can earn a Free Night Reward after meeting a spending requirement, enjoy complimentary elite status with National Car Rental, and pay no foreign transaction fees.

‍

Cons

‍

• Hilton points can have a lower value compared to other hotel loyalty programs, and the dynamic pricing system can make award redemptions unpredictable.
• An annual Free Night Reward is not automatic and requires meeting a substantial spending threshold.
• The card lacks some premium travel benefits found on competing cards, such as airport lounge access and primary rental car insurance.

Hilton Honors American Express Surpass® vs World of Hyatt

‍

Categories

‍

Deciding which is better, World of Hyatt or Hilton Honors Surpass, comes down to your travel style and hotel loyalty. Both cards offer compelling benefits for travelers, but they cater to different types of guests.

‍

• The World of Hyatt Credit Card is designed for frequent travelers, particularly those loyal to the Hyatt brand who want a clear path toward earning elite status.
• Hilton Honors American Express Surpass® Card is a mid-tier hotel card best suited for frequent Hilton guests who want to earn bonus points on everyday spending and enjoy valuable benefits during their stays.

‍

Redemption

‍

World of Hyatt Credit Card: Points are most valuable when redeemed for award nights at Hyatt hotels and resorts, but they can also be transferred to a number of airline partners for added flexibility.

‍

Hilton Honors American Express Surpass® Card: Cardholders redeem points for free nights across Hilton's massive global portfolio of hotels. Points can also be used for on-property rewards, exclusive experiences, and other travel-related purchases.

‍

Travel Perks

‍

• Both cards are ideal for international travel, as neither charges foreign transaction fees on purchases made abroad.
• For airport relaxation, the Hilton Surpass card provides a limited number of Priority Pass lounge visits annually. The World of Hyatt card does not include a similar lounge access benefit.
• The Hilton Surpass card grants automatic Hilton Honors Gold status, unlocking benefits like room upgrades and on-property credits. In contrast, the World of Hyatt card provides automatic Discoverist status and offers a pathway to earn higher elite tiers through card spending.

‍

Compare Top Rated Credit Cards with Kudos

‍

Kudos is a financial companion that helps you compare top-rated cards using your real spending data to maximize rewards.

‍

• Test drive credit cards: Simulate your potential earnings with any card using your actual spending data—all before you apply and without impacting your credit score.
• Approval odds: Get a detailed analysis based on your credit report to understand your chances of being approved for different cards.
• Welcome offer guarantee: If you find a better public welcome offer within three months of being approved for a card through Kudos, the platform will match it.
• Extra rewards: Earn Kudos Boost rewards when shopping at participating stores, which stack on top of your existing credit card rewards.
• Autofill at checkout: The Kudos browser extension can automatically suggest and fill in the best card to use for a purchase to ensure you’re maximizing your rewards.

Who Should Choose the World of Hyatt?

‍

The World of Hyatt Credit Card is an excellent choice for frequent travelers who are loyal to the Hyatt brand and want to fast-track their way to elite status. These cardholders will get the most value from its high point redemptions on hotel stays, automatic Discoverist status, and the absence of foreign transaction fees on international trips. Ultimately, the World of Hyatt card is best suited for couples or families who travel often and can maximize the card's hotel-centric benefits.

Who Should Choose the Hilton Honors American Express Surpass®?

‍

The Hilton Honors American Express Surpass® Card is an excellent choice for frequent Hilton guests who can take full advantage of the automatic Gold elite status and its associated perks. It also appeals to moderate travelers and everyday spenders who want to earn a significant amount of points on common purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Ultimately, as detailed in this Hilton Surpass Card review, it's for the value-conscious traveler who wants meaningful hotel benefits without paying for a premium-tier card.

Alternatives to Consider

‍

If the World of Hyatt vs Hilton Honors American Express Surpass® comparison has you feeling like neither card is the right fit, don't fret. Plenty of other travel rewards cards are available that might better align with your specific travel goals and spending habits.

‍

[[ COMPARE_CARD * {"ids": ["510", "106"], "bestCategoryIds":["17", "18", "19"], "bestForTexts":["$300 Annual Travel Credit", "Serious Points on Flights"]} ]]

‍

_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

Tips for Application Success

‍

Before You Apply

‍

• Check your credit score: Most rewards cards require a good to excellent credit history for approval.
• Know the rules: Be aware of issuer-specific policies like Chase’s 5/24 rule or Amex’s once-per-lifetime bonus restrictions.
• Have a plan: Research how you will use the card’s points and benefits to maximize its value from day one.

‍

Application Strategy

‍

• Time your application strategically - Align your application with a large planned purchase to help meet the welcome offer’s spending requirement naturally.
• Look for elevated offers - Welcome offers can vary, so check different sources or wait for a higher bonus before applying.
• Align with your travel habits - Choose a card that matches your loyalty, like a Hyatt card for frequent stays or a Hilton card for its broad portfolio.

Our Methodology

‍

We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

‍

Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

‍

Which card is better for beginners in hotel loyalty programs?

‍

For those new to hotel rewards, the Hilton Honors Surpass card often provides a more straightforward path to earning and redeeming points due to Hilton's vast global footprint. However, the World of Hyatt card can offer outsized value for those willing to learn the intricacies of its award chart.

‍

Can I hold both the World of Hyatt Card and the Hilton Honors Surpass Card?

‍

Yes, you can hold both cards simultaneously, as they are issued by different banks. This strategy allows you to earn elite status and rewards in two major hotel loyalty programs.

‍

How do the free night awards for each card work?

‍

The World of Hyatt card typically offers a free night certificate each year valid at a Category 1-4 hotel. The Hilton Honors Surpass card allows you to earn a free night award after meeting a specific spending threshold within a calendar year.

‍