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CardCurator — Rewards Intelligence
Card Comparison

Hilton Honors Surpass vs The Ritz Carlton Card

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 Ritz Carlton Card card art
Marriott Bonvoy
The Ritz Carlton Card
Chase
More Info
Annual Fee
$150/yr
$450/yr
Foreign Fees
None
None
Signup Bonus
130,000 points
Spend $3,000 in 6 months
None
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
  • hotel brands around the world participating in Marriott Bonvoy 6x
  • dining, car rentals and airline purchases 3x
  • All Other Purchases 2x
Reward Type
miles
miles
Key Credits
  • Hilton Credit $50
  • Annual Travel Credit $300
  • Hotel Credit $100
Card Perks
  • Hilton Honors Gold Status
  • The Ritz-Carlton Club Level
Spend Milestones
  • Free Night Award
    After $15,000 spend
No milestones
Transfer Partners
No transfer partners
  • United MileagePlus
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Common Questions: Hilton Honors Surpass vs The Ritz Carlton Card

Is the Hilton Honors Surpass or The Ritz Carlton Card better for dining?

Hilton Honors Surpass earns 6x on dining; The Ritz Carlton Card earns 3x on dining. Hilton Honors Surpass wins for dining.

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 Ritz Carlton Card offers no current bonus. Hilton Honors Surpass 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 Ritz Carlton Card?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Hilton Honors Surpass is from American Express and The Ritz Carlton Card is from Chase, so they're governed by separate bank policies.