The Chase Sapphire Reserve and Hilton Honors Surpass are closely matched. Chase Sapphire Reserve wins on 2 categories (150,000 pts signup bonus); Hilton Honors Surpass wins on 2 (130,000 pts signup bonus). The better pick depends on your spending patterns.
Chase Sapphire Reserve vs Hilton Honors Surpass
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
- Chase Travel 8x
- Lyft 5x
- Flights (Direct) 4x
- hotels and resorts within the Hilton portfolio 12x
- Dining At U.S. restaurants, including takeout and delivery, 6x
- Groceries At U.S. supermarkets 6x
- Annual Travel Credit $300
- The Edit Hotel Credit $250
- Hilton Credit $50
- Priority Pass Select
- Chase Sapphire Lounge by The Club
- DashPass
- +3 more
- Hilton Honors Gold Status
- Free Night AwardAfter $15,000 spend
- Virgin Atlantic Flying Club
- Aer Lingus AerClub
- Air Canada Aeroplan
- British Airways Executive Club
- Flying Blue
- +9 more
Common Questions: Chase Sapphire Reserve vs Hilton Honors Surpass
Is the Chase Sapphire Reserve or Hilton Honors Surpass better for dining?
Chase Sapphire Reserve earns 3x on dining; Hilton Honors Surpass earns 6x on dining. Hilton Honors Surpass wins for dining.
Which has the higher signup bonus in 2026?
Chase Sapphire Reserve currently offers 150,000 pts signup bonus (spend $6,000 in 3 months). Hilton Honors Surpass offers 130,000 pts signup bonus (spend $3,000 in 6 months). Chase Sapphire Reserve 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 Chase Sapphire Reserve 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. Chase Sapphire Reserve is from Chase and Hilton Honors Surpass is from American Express, so they're governed by separate bank policies.