Comparison brief
Hilton Honors vs. Hilton Honors Surpass
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Hilton Honors’ no-fee 5x on dining, groceries, and gas becomes 6x on Surpass, plus a new 4x rate on online retail — a modest earn-rate bump for a $150 fee. The bigger piece is a $200/year Hilton resort credit that only pays off if you actually book Hilton stays each quarter; skip that and the free card’s 5x is hard to beat.
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