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CardCurator — Rewards Intelligence
Card Comparison

Capital One Venture X Rewards vs Hilton Honors Surpass

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Capital One Venture X Rewards card art
Capital One
Capital One Venture X Rewards
Capital One
More Info
Hilton Honors Surpass card art
Hilton Honors
Hilton Honors Surpass
American Express
More Info
Annual Fee
$395/yr
$150/yr
Foreign Fees
None
None
Signup Bonus
100,000 points
Spend $10,000 in 6 months
130,000 points
Spend $3,000 in 6 months
Top Earn Rates
  • Hotels (Capital One Travel) 10x
  • Rental Cars (Capital One Travel) 10x
  • Flights (Capital One Travel) 5x
  • hotels and resorts within the Hilton portfolio 12x
  • Dining At U.S. restaurants, including takeout and delivery, 6x
  • Groceries At U.S. supermarkets 6x
Reward Type
miles
miles
Key Credits
  • Annual Travel Credit $300
  • Global Entry/TSA PreCheck Credit $120
  • Hilton Credit $50
Card Perks
  • Capital One Lounge Access
  • Priority Pass Select
  • 10,000 Anniversary Bonus Miles
  • +2 more
  • Hilton Honors Gold Status
Spend Milestones
No milestones
  • Free Night Award
    After $15,000 spend
Transfer Partners
  • British Airways Executive Club
  • JAL Mileage Bank
  • Qatar Avios
  • I Prefer Hotel Rewards
  • Flying Blue
  • +16 more
No transfer partners
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Common Questions: Capital One Venture X Rewards vs Hilton Honors Surpass

Is the Capital One Venture X Rewards or Hilton Honors Surpass better for dining?

Capital One Venture X Rewards has no dining bonus; Hilton Honors Surpass earns 6x on dining.

Which has the higher signup bonus in 2026?

Capital One Venture X Rewards currently offers 100,000 pts signup bonus (spend $10,000 in 6 months). Hilton Honors Surpass offers 130,000 pts signup bonus (spend $3,000 in 6 months). Capital One Venture X Rewards has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Capital One Venture X Rewards and the Hilton Honors Surpass?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Capital One Venture X Rewards is from Capital One and Hilton Honors Surpass is from American Express, so they're governed by separate bank policies.