{"id":216870,"date":"2025-09-05T23:59:10","date_gmt":"2025-09-05T23:59:10","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=216870\/"},"modified":"2026-04-08T14:22:11","modified_gmt":"2026-04-08T14:22:11","slug":"hilton-surpass-vs-world-of-hyatt-card","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/hilton-surpass-vs-world-of-hyatt-card\/","title":{"rendered":"Amex Hilton Surpass vs World of Hyatt Card: Which Mid-Tier Hotel Card Is Better for You?"},"content":{"rendered":"<p>You don't need to pay a hefty annual fee to get sizable value from a credit card. Cards like <a data-ccid=\"4048116\" href=\"\/blog\/link\/TheWorldOfHyattCreditCard\" rel=\"noopener nofollow sponsored\">The World of Hyatt Credit Card<\/a> (<a data-ccid=\"4048116\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005136&type=3&u1=0194496eba795096eb0d094c8c72643a&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) and the <a data-ccid=\"4048089\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressSurpassCard\" rel=\"noopener nofollow sponsored\">Hilton Honors American Express Surpass<sup>\u00ae<\/sup> Card<\/a> provide excellent hotel benefits for modest annual fees. Plus, these cards are linked to two of the best hotel programs around, <a target=\"_blank\" href=\"\/hotels\/world-of-hyatt\/\" rel=\"noopener\">World of Hyatt<\/a> and <a target=\"_blank\" href=\"\/hotels\/hilton-honors\/\" rel=\"noopener\">Hilton Honors<\/a>. However, each card has different points earning potential, benefits, and access to free night certificates.<\/p>\n<p>Which card is the best option for you? Let's compare.<\/p>\n<div class=\"compare-cards-wrap compare-count-cards-2 compare-p-american-express\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/4ba7741f-2b68-45ce-9bc4-e65b9f6c260f.png\" width=\"150\" alt=\"The World of Hyatt Credit Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">The World of Hyatt Credit Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='The World of Hyatt Credit Card' data-ccid=\"4048116\" href=\"\/blog\/link\/TheWorldOfHyattCreditCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$95<span class=\"compare-terms\"><a data-ccid=\"4048116\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005136&type=3&u1=0194496eba795096eb0d094c8c72643a&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Up to 9X points total per $1 spent at Hyatt - 4X points per $1 when you use your card at Hyatt hotels & 5X points per $1 you can earn as a World of Hyatt member<\/li>\r\n<li>2X points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships<\/li>\r\n<li>1X point per $1 everywhere else<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/0fb236dd-aecb-49ed-9f28-94aaf0efd9a2.png\" width=\"150\" alt=\"Hilton Honors American Express Surpass\u00ae Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Hilton Honors American Express Surpass<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Limited-Time Offer<\/strong>\r\nEarn 130,000 Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer Ends 4\/15\/2026.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='Hilton Honors American Express Surpass\u00ae Card' data-ccid=\"4048089\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressSurpassCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$150<span class=\"compare-terms\"><a data-ccid=\"4048089\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/hilton-honors-surpass-credit-card\/26129-10-0#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms Apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul><li>12X bonus points for each dollar of eligible purchases charged on your card directly with a hotel or resort within the Hilton portfolio<\/li>\r\n \t<li>6X bonus points for each dollar of eligible purchases on your card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations<\/li>\r\n<li>4X bonus points on U.S online retail purchases<\/li>\r\n         <li>3X bonus points for all other eligible purchases on your card<\/li><\/ul><\/div><\/div><\/div>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Hilton_Surpass_vs_World_of_Hyatt_Card_Annual_Fees\">Hilton Surpass vs World of Hyatt Card: Annual Fees<\/a><\/li><li><a href=\"#Hilton_Surpass_and_World_of_Hyatt_Card_Welcome_Offers\">Hilton Surpass and World of Hyatt Card: Welcome Offers<\/a><\/li><li><a href=\"#Hilton_Surpass_vs_World_of_Hyatt_Card_Points_Earning\">Hilton Surpass vs World of Hyatt Card: Points Earning<\/a><ul><li><a href=\"#Which_points_are_more_valuable\">Which points are more valuable?<\/a><\/li><\/ul><\/li><li><a href=\"#Hilton_Surpass_vs_World_of_Hyatt_Card_Benefits\">Hilton Surpass vs World of Hyatt Card: Benefits<\/a><ul><li><a href=\"#Elite_status\">Elite status<\/a><\/li><li><a href=\"#Free_night_certificates\">Free night certificates<\/a><\/li><li><a href=\"#Other_perks\">Other perks<\/a><\/li><\/ul><\/li><li><a href=\"#Application_Rules\">Application Rules<\/a><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Hilton_Surpass_vs_World_of_Hyatt_Card_Annual_Fees\">Hilton Surpass vs World of Hyatt Card: Annual Fees<\/span><\/h2>\n<p>Both of these cards have an annual fee of under $150. The <a data-ccid=\"4048116\" href=\"\/blog\/link\/TheWorldOfHyattCreditCard\" rel=\"noopener nofollow sponsored\">World of Hyatt Card<\/a> has an annual fee of\u00a0 $95 (<a data-ccid=\"4048116\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005136&type=3&u1=0194496eba795096eb0d094c8c72643a&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) while the <a data-ccid=\"4048089\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressSurpassCard\" rel=\"noopener nofollow sponsored\">Hilton Surpass<\/a> has an annual fee of $150(<a data-ccid=\"4048089\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/hilton-honors-surpass-credit-card\/26129-10-0#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). However, the benefits of these cards can help offset the cost to carry them.<\/p>\n<figure id=\"attachment_150714\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-150714 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/02\/Hilton-La-Romana-aerial-view-featured.png\" alt=\"aerial view of the Hilton La Romana in the Dominican Republic\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/02\/Hilton-La-Romana-aerial-view-featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/02\/Hilton-La-Romana-aerial-view-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/02\/Hilton-La-Romana-aerial-view-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/02\/Hilton-La-Romana-aerial-view-featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Hilton La Romana in the Dominican Republic. Credit: Hilton<\/em><\/enter><\/figure>\n<h2><span id=\"Hilton_Surpass_and_World_of_Hyatt_Card_Welcome_Offers\">Hilton Surpass and World of Hyatt Card: Welcome Offers<\/span><\/h2>\n<p>One of the biggest incentives to pick up either the Hilton Surpass or the World of Hyatt Card is the welcome offer. Here are the bonuses available on both cards right now:<\/p>\n<ul>\n<li><strong><a data-ccid=\"4048116\" href=\"\/blog\/link\/TheWorldOfHyattCreditCard\" rel=\"noopener nofollow sponsored\">World of Hyatt Card<\/a>:<\/strong> Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.<\/li>\n<li><strong><a data-ccid=\"4048089\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressSurpassCard\" rel=\"noopener nofollow sponsored\">Hilton Surpass<\/a>:<\/strong> Limited-Time Offer: Earn 130,000 Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer Ends 4\/15\/2026.<\/li>\n<\/ul>\n<p>It\u2019s worth noting that these bonuses change over time. If you\u2019d like to see the history of card offers, whether to get a sense of what to expect in the future or to compare today\u2019s bonus with past ones, here\u2019s a link to the <a target=\"_blank\" href=\"\/credit-cards\/amex-credit-card-offer-history\/\" rel=\"noopener\">offer history for American Express cards<\/a> and a link to the <a target=\"_blank\" href=\"\/credit-cards\/chase-credit-card-offer-history\/\" rel=\"noopener\">offer history for Chase cards<\/a>.<\/p>\n<h2><span id=\"Hilton_Surpass_vs_World_of_Hyatt_Card_Points_Earning\">Hilton Surpass vs World of Hyatt Card: Points Earning<\/span><\/h2>\n<p>The <a data-ccid=\"4048089\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressSurpassCard\" rel=\"noopener nofollow sponsored\">Hilton Surpass<\/a> has outstanding earning capabilities on everyday spending:<\/p>\n<ul><li>12X bonus points for each dollar of eligible purchases charged on your card directly with a hotel or resort within the Hilton portfolio<\/li>\r\n \t<li>6X bonus points for each dollar of eligible purchases on your card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations<\/li>\r\n<li>4X bonus points on U.S online retail purchases<\/li>\r\n         <li>3X bonus points for all other eligible purchases on your card<\/li><\/ul>\n<p>Keep in mind, the Hilton Surpass card comes with automatic <a target=\"_blank\" href=\"\/hotels\/hilton-honors\/hilton-gold-status\/\" rel=\"noopener\">Hilton Gold status<\/a>, which means you'll earn additional bonus points on Hilton stays.<\/p>\n<p>The <a data-ccid=\"4048116\" href=\"\/blog\/link\/TheWorldOfHyattCreditCard\" rel=\"noopener nofollow sponsored\">World of Hyatt Card<\/a> has a smaller number of available earning categories:<\/p>\n<ul>\r\n<li>Up to 9X points total per $1 spent at Hyatt - 4X points per $1 when you use your card at Hyatt hotels & 5X points per $1 you can earn as a World of Hyatt member<\/li>\r\n<li>2X points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships<\/li>\r\n<li>1X point per $1 everywhere else<\/li>\r\n<\/ul>\n<p>And like its competitor, the Hilton Surpass offers automatic <a target=\"_blank\" href=\"\/hotels\/world-of-hyatt\/hyatt-discoverist\/\" rel=\"noopener\">Hyatt Discoverist status<\/a>, so you'll earn bonus points on eligible Hyatt stays.<\/p>\n<h3><span id=\"Which_points_are_more_valuable\">Which points are more valuable?<\/span><\/h3>\n<p>It\u2019s worth noting that on average AwardWallet users redeem Hyatt points for an average 2.19\u00a2 each and Hilton points for roughly 0.59\u00a2 apiece. Keep this in mind as you compare each welcome bonus.<\/p>\n<figure id=\"attachment_175210\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-175210 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/08\/Hyatt-Secrets-Bahia-Real-Resort-Spa-Featured.png\" alt=\"Hyatt offers some excellent resort options, such as the Secrets Bah\u00eda Real Resort & Spa\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/08\/Hyatt-Secrets-Bahia-Real-Resort-Spa-Featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/08\/Hyatt-Secrets-Bahia-Real-Resort-Spa-Featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/08\/Hyatt-Secrets-Bahia-Real-Resort-Spa-Featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/08\/Hyatt-Secrets-Bahia-Real-Resort-Spa-Featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Hyatt offers some excellent resort options, such as the Secrets Bah\u00eda Real Resort & Spa. Credit: Hyatt<\/em><\/enter><\/figure>\n<h2><span id=\"Hilton_Surpass_vs_World_of_Hyatt_Card_Benefits\">Hilton Surpass vs World of Hyatt Card: Benefits<\/span><\/h2>\n<h3><span id=\"Elite_status\">Elite status<\/span><\/h3>\n<p>The <a data-ccid=\"4048116\" href=\"\/blog\/link\/TheWorldOfHyattCreditCard\" rel=\"noopener nofollow sponsored\">World of Hyatt Card<\/a> comes with <a target=\"_blank\" href=\"\/hotels\/world-of-hyatt\/hyatt-discoverist\/\" rel=\"noopener\">Hyatt Discoverist status<\/a>, which is the entry tier <a target=\"_blank\" href=\"\/hotels\/world-of-hyatt\/elite-status\/\" rel=\"noopener\">Hyatt elite status<\/a> above the general member level. These are the perks you get with Hyatt Discoverist status:<\/p>\n<ul>\n<li>10% bonus on qualifying purchases<\/li>\n<li>Complimentary premium internet for your stay<\/li>\n<li>Late checkout up to 2 p.m. when available<\/li>\n<li>Two complimentary bottles of water<\/li>\n<\/ul>\n<p>Additionally, this card comes with five elite qualifying nights each year and the ability to receive two more credits with every $5,000 spent on the card annually. This allows you to spend towards a <a target=\"_blank\" href=\"\/hotels\/world-of-hyatt\/hyatt-globalist\/\" rel=\"noopener\">higher level Hyatt elite status like Globalist<\/a>.<\/p>\n<p>With the <a data-ccid=\"4048089\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressSurpassCard\" rel=\"noopener nofollow sponsored\">Hilton Surpass<\/a>, you'll get automatic <a target=\"_blank\" href=\"\/hotels\/hilton-honors\/hilton-gold-status\/\" rel=\"noopener\">Hilton Gold status<\/a>. Hilton Gold status comes with the following perks:<\/p>\n<ul>\n<li>80% bonus on hotel stays<\/li>\n<li>Fifth night free on award stays<\/li>\n<li>Space-available room upgrades<\/li>\n<li><a target=\"_blank\" href=\"\/hotels\/hilton-honors\/hilton-food-beverage-credit\/\" rel=\"noopener\">Daily food and beverage credit<\/a> for up to two people staying at the hotel. This credit varies by hotel and location.<\/li>\n<li>Complimentary bottled water<\/li>\n<\/ul>\n<p>You can upgrade to Hilton Diamond status by <a target=\"_blank\" href=\"\/credit-cards\/hilton-honors\/which-credit-cards-give-elite-status\/\" rel=\"noopener\">spending $40,000 on your card in a calendar year<\/a>.<\/p>\n<figure id=\"attachment_135508\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-135508 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Featured-Hilton-resort-overwater-bungalow-Maldives-Matheen-Faiz-unsplash.jpg\" alt=\"Hilton resort overwater bungalow Maldives\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Featured-Hilton-resort-overwater-bungalow-Maldives-Matheen-Faiz-unsplash.jpg 1200w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Featured-Hilton-resort-overwater-bungalow-Maldives-Matheen-Faiz-unsplash-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Featured-Hilton-resort-overwater-bungalow-Maldives-Matheen-Faiz-unsplash-1024x819.jpg 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Featured-Hilton-resort-overwater-bungalow-Maldives-Matheen-Faiz-unsplash-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Featured-Hilton-resort-overwater-bungalow-Maldives-Matheen-Faiz-unsplash-325x260.jpg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Matheen Faiz\/Unsplash<\/em><\/enter><\/figure>\n<h3><span id=\"Free_night_certificates\">Free night certificates<\/span><\/h3>\n<p>The <a data-ccid=\"4048116\" href=\"\/blog\/link\/TheWorldOfHyattCreditCard\" rel=\"noopener nofollow sponsored\">World of Hyatt Card<\/a> comes with a complimentary free night certificate valid at any <a target=\"_blank\" href=\"\/hotels\/world-of-hyatt\/hyatt-category-4\/\" rel=\"noopener\">Category 1-4 Hyatt property<\/a>. The free night certificate is deposited a few weeks after your card's anniversary date.<\/p>\n<p>Additionally, you can receive another Category 1-4 certificate if you spend $15,000 on your World of Hyatt Card within the calendar year. Once you reach the $15,000 spending threshold, a free night certificate will be awarded to you within a few days. Hyatt free night certificates expire 12 months after being issued; you must use your certificate by that date.<\/p>\n<p>The <a data-ccid=\"4048089\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressSurpassCard\" rel=\"noopener nofollow sponsored\">Hilton Surpass<\/a> does not come with a complimentary free night certificate every year. However, you can receive a free night certificate if you spend <a target=\"_blank\" href=\"\/credit-cards\/hilton-honors\/hilton-surpass-benefits\/\" rel=\"noopener\">$15,000 within the calendar year<\/a>. Once you reach the $15,000 spend threshold, a free night certificate will be awarded to you within a few days.<\/p>\n<p><a target=\"_blank\" href=\"\/credit-cards\/hilton-honors\/hilton-free-night-certificate\/\" rel=\"noopener\">Hilton free night certificates are uncapped<\/a>, which means they can be used at almost any Hilton property, regardless of the points cost. As long as standard room availability is available, you can book a room with these certificates. These free night certificates expire 12 months after they are issued.<\/p>\n<h3><span id=\"Other_perks\">Other perks<\/span><\/h3>\n<p>The <a data-ccid=\"4048089\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressSurpassCard\" rel=\"noopener nofollow sponsored\">Hilton Surpass<\/a> comes with a quarterly up-to-$50 hotel credit (up to $200 annually). If you stay at a Hilton property and use this card to pay for your room, you will receive a $50 credit. But you can also put this credit towards other charges towards your room, which is helpful for meals, ancillary purchases, and more.<\/p>\n<p>The Hilton Surpass also provides <a target=\"_blank\" href=\"\/car-rental\/national-emerald-club\/\" rel=\"noopener\">Emerald Club Executive status<\/a>. You will need to enroll for this benefit. This status level allows for guaranteed upgrades when available and quicker earning toward free car rentals with National Car Rental.<\/p>\n<p>Finally, the Hilton Surpass has several travel and purchase protections. These include:<\/p>\n<ul>\n<li>Extended warranty for purchases<\/li>\n<li>Purchase protection<\/li>\n<li>Car rental loss and damage insurance<\/li>\n<li>Baggage insurance<\/li>\n<\/ul>\n<p>The <a data-ccid=\"4048116\" href=\"\/blog\/link\/TheWorldOfHyattCreditCard\" rel=\"noopener nofollow sponsored\">World of Hyatt Card<\/a> has many travel and purchase protections as well:<\/p>\n<ul>\n<li>Trip cancellation and delay insurance<\/li>\n<li>Purchase protection<\/li>\n<li>Car rental loss and damage<\/li>\n<li>Baggage insurance<\/li>\n<\/ul>\n<p>Plus, neither card imposes foreign transaction fees.<\/p>\n<figure id=\"attachment_189881\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-189881 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/Hyatt-Koh-Samui-Featured.png\" alt=\"Hyatt Regency Koh Samui Resort\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/Hyatt-Koh-Samui-Featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/Hyatt-Koh-Samui-Featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/Hyatt-Koh-Samui-Featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/Hyatt-Koh-Samui-Featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Hyatt Regency Koh Samui Resort. Credit: Hyatt<\/em><\/enter><\/figure>\n<h2><span id=\"Application_Rules\">Application Rules<\/span><\/h2>\n<p>The <a data-ccid=\"4048116\" href=\"\/blog\/link\/TheWorldOfHyattCreditCard\" rel=\"noopener nofollow sponsored\">World of Hyatt Card<\/a> is a Chase-issued credit card, which means you must be under the <a target=\"_blank\" href=\"\/credit-cards\/chase-5-24-rule\/\" rel=\"noopener\">5\/24<\/a> to be eligible to open an account. You would not be approved for this card if you have opened five or more personal credit cards in the last 24 months. You would also not be eligible for the signup bonus if you currently hold this card or have received a signup bonus for this card within the last 24 months.<\/p>\n<p>The <a data-ccid=\"4048089\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressSurpassCard\" rel=\"noopener nofollow sponsored\">Hilton Surpass<\/a> has a &#8220;once per lifetime&#8221; rule in that you can receive the signup bonus only once for this card. If you have another Hilton card, such as the <a data-ccid=\"4048211\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressAspire\" rel=\"noopener nofollow sponsored\">Hilton Honors American Express Aspire Card<\/a>, you can still apply for the Hilton Surpass and receive the bonus.<\/p>\n<p>Additionally, you can hold a maximum of five American Express credit cards at a time and cannot apply for more than two within a 90-day period. When you apply for an American Express card, <a target=\"_blank\" href=\"\/credit-cards\/amex-welcome-offer-eligibility-tool\/\" rel=\"noopener\">you will see a pop-up<\/a> if you are not eligible for the signup bonus before completing your application. You can then decide whether to continue your card application or not.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">Understanding Rewards Credit Card Application Rules and Restrictions<\/a><\/strong><\/p>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p><a data-ccid=\"4048116\" href=\"\/blog\/link\/TheWorldOfHyattCreditCard\" rel=\"noopener nofollow sponsored\">The World of Hyatt Credit Card<\/a> and the <a data-ccid=\"4048089\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressSurpassCard\" rel=\"noopener nofollow sponsored\">Hilton Honors American Express Surpass<sup>\u00ae<\/sup> Card<\/a> are great mid-level hotels for your wallet. But each of these cards has its pros and cons.<\/p>\n<p>The World of Hyatt Card offers a lower annual fee, comes with a complimentary Category 1-4 free night award, and earns valuable Hyatt points. You can also spend towards a second free night certificate per year and additional elite-qualifying nights with this card.<\/p>\n<p>The Hilton Surpass comes with quarterly credits that can offset the annual fee and offers superior bonus categories for earning a large number of Hilton points. The Surpass card can also be used to spend towards an uncapped free night certificate that can be used at 99% of the Hilton locations worldwide.<\/p>\n<p><em>Both cards have their strong points \u2014 which hotel card is the best option for you?<\/em><\/p>\n<div class=\"compare-cards-wrap compare-count-cards-2 compare-p-american-express\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/4ba7741f-2b68-45ce-9bc4-e65b9f6c260f.png\" width=\"150\" alt=\"The World of Hyatt Credit Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">The World of Hyatt Credit Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='The World of Hyatt Credit Card' data-ccid=\"4048116\" href=\"\/blog\/link\/TheWorldOfHyattCreditCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$95<span class=\"compare-terms\"><a data-ccid=\"4048116\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005136&type=3&u1=0194496eba795096eb0d094c8c72643a&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Up to 9X points total per $1 spent at Hyatt - 4X points per $1 when you use your card at Hyatt hotels & 5X points per $1 you can earn as a World of Hyatt member<\/li>\r\n<li>2X points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships<\/li>\r\n<li>1X point per $1 everywhere else<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/0fb236dd-aecb-49ed-9f28-94aaf0efd9a2.png\" width=\"150\" alt=\"Hilton Honors American Express Surpass\u00ae Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Hilton Honors American Express Surpass<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Limited-Time Offer<\/strong>\r\nEarn 130,000 Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer Ends 4\/15\/2026.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='Hilton Honors American Express Surpass\u00ae Card' data-ccid=\"4048089\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressSurpassCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$150<span class=\"compare-terms\"><a data-ccid=\"4048089\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/hilton-honors-surpass-credit-card\/26129-10-0#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms Apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul><li>12X bonus points for each dollar of eligible purchases charged on your card directly with a hotel or resort within the Hilton portfolio<\/li>\r\n \t<li>6X bonus points for each dollar of eligible purchases on your card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations<\/li>\r\n<li>4X bonus points on U.S online retail purchases<\/li>\r\n         <li>3X bonus points for all other eligible purchases on your card<\/li><\/ul><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>The World of Hyatt Credit Card and Hilton Honors American Express Surpass\u00ae Card are two of the best mid-tier hotel credit cards out there. They both have reasonable annual fees, valuable perks, and decent return on spending. This post breaks down the pros and cons of each card to help you decide which one is best for you.<\/p>\n","protected":false},"author":99,"featured_media":200360,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":false,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"","_twitter_share_type":"","_linkedin_share_type":"","_pinterest_share_type":"","_linkedin_share_type_page":"","_instagram_share_type":"","_medium_share_type":"","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12520,12232,12698,12629,12701],"coauthors":[36477],"class_list":["post-216870","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-benefits","tag-card-offers","tag-hilton-honors","tag-using-points","tag-world-of-hyatt"],"acf":[],"yoast_head":"<title>Hilton Surpass vs World of Hyatt Card Comparison - AwardWallet Blog<\/title>\n<meta name=\"description\" content=\"The Hilton Surpass and World of Hyatt Cards are two of the best mid-level hotel cards available. 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