Skip to main content
CardCurator — Rewards Intelligence
Quick Answer

The Hilton Honors Surpass and The Platinum Card from American Express Exclusively for Charles Schwab are closely matched. Hilton Honors Surpass wins on 2 categories (130,000 pts signup bonus); The Platinum Card from American Express Exclusively for Charles Schwab wins on 2 (150,000 pts signup bonus). The better pick depends on your spending patterns.

Card Comparison

Hilton Honors Surpass vs The Platinum Card from American Express Exclusively for Charles Schwab

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

Hilton Honors Surpass card art
Hilton Honors
Hilton Honors Surpass
American Express
More Info
The Platinum Card from American Express Exclusively for Charles Schwab card art
American Express Membership Rewards
The Platinum Card from American Express Exclusively for Charles Schwab
American Express
More Info
Annual Fee
$150/yr
$895/yr
Foreign Fees
None
None
Signup Bonus
130,000 points
Spend $3,000 in 6 months
was 130k pts
150,000 points
Spend $12,000 in 6 months
Top Earn Rates
  • hotels and resorts within the Hilton portfolio 12x
  • Dining At U.S. restaurants, including takeout and delivery, 6x
  • Groceries At U.S. supermarkets 6x
  • Flights (Direct or Amex Travel) 5x
  • Prepaid Hotels (Amex Travel) 5x
  • All Other Purchases 1x
Reward Type
miles
miles
Pts Value
~0.50¢/pt points · industry est.
~1.10¢/pt points · industry est.
Key Credits
  • Hilton Credit $50
  • Hotel Credit $300
  • Uber Cash $200
  • Uber One Credit $120
  • +2 more
Card Perks
  • Hilton Honors Gold Status
  • Centurion Lounge Access
  • Priority Pass Select
  • Fine Hotels + Resorts
  • +2 more
Spend Milestones
  • Free Night Award
    After $15,000 spend
No milestones
Transfer Partners
No transfer partners
  • Flying Blue
  • Delta SkyMiles
  • JetBlue TrueBlue
  • Qatar Avios
  • Virgin Atlantic Flying Club
  • +13 more
Open full comparison tool Compare more cards

Common Questions: Hilton Honors Surpass vs The Platinum Card from American Express Exclusively for Charles Schwab

Is the Hilton Honors Surpass or The Platinum Card from American Express Exclusively for Charles Schwab better for dining?

Hilton Honors Surpass earns 6x on dining; The Platinum Card from American Express Exclusively for Charles Schwab has no dining bonus.

Which has the higher signup bonus in 2026?

Hilton Honors Surpass currently offers 130,000 pts signup bonus (spend $3,000 in 6 months). The Platinum Card from American Express Exclusively for Charles Schwab offers 150,000 pts signup bonus (spend $12,000 in 6 months). The Platinum Card from American Express Exclusively for Charles Schwab 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 Hilton Honors Surpass and the The Platinum Card from American Express Exclusively for Charles Schwab?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from American Express, so check their specific application rules.