The Hilton Honors Surpass edges out the United Club℠ Infinite Card for most cardholders — it wins on 3 of 4 comparison categories and offers 130,000 pts signup bonus earns more (up to 12x vs 4x). The United Club℠ Infinite Card is the better choice if you prioritize a different rewards ecosystem.
Hilton Honors Surpass vs United Club℠ Infinite Card
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
- hotels and resorts within the Hilton portfolio 12x
- Dining At U.S. restaurants, including takeout and delivery, 6x
- Groceries At U.S. supermarkets 6x
- United Purchases 4x
- Dining 2x
- Hotel Stays 2x
- Hilton Credit $50
- Global Entry/TSA PreCheck Credit $120
- IHG Rewards Credit $120
- Hilton Honors Gold Status
- United Club Membership
- Free First and Second Checked Bags
- Premier Access
- +1 more
- Free Night AwardAfter $15,000 spend
Common Questions: Hilton Honors Surpass vs United Club℠ Infinite Card
Is the Hilton Honors Surpass or United Club℠ Infinite Card better for dining?
Hilton Honors Surpass earns 6x on dining; United Club℠ Infinite Card earns 2x 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). United Club℠ Infinite Card offers 90,000 pts signup bonus (spend $5,000 in 3 months). 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 United Club℠ Infinite 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 United Club℠ Infinite Card is from Chase, so they're governed by separate bank policies.