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CardCurator — Rewards Intelligence
Card Comparison

Hilton Honors Surpass vs Visa Signature® Flagship Rewards

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
Visa Signature® Flagship Rewards card art
Navy Federal Credit Union
Visa Signature® Flagship Rewards
Navy Federal Credit Union
More Info
Annual Fee
$150/yr
$49/yr
Foreign Fees
None
None
Signup Bonus
130,000 points
Spend $3,000 in 6 months
35,000 points
Spend $3,500 in 3 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
  • Travel 3x
  • All Other Purchases 2x
Reward Type
miles
cashback
Key Credits
  • Hilton Credit $50
  • Amazon Prime $139
  • Global Entry/TSA PreCheck Credit $120
Card Perks
  • Hilton Honors Gold Status
None listed
Spend Milestones
  • Free Night Award
    After $15,000 spend
No milestones
Transfer Partners
No transfer partners
Cash back only
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Common Questions: Hilton Honors Surpass vs Visa Signature® Flagship Rewards

Is the Hilton Honors Surpass or Visa Signature® Flagship Rewards better for dining?

Hilton Honors Surpass earns 6x on dining; Visa Signature® Flagship Rewards 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). Visa Signature® Flagship Rewards offers 35,000 pts signup bonus (spend $3,500 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 Visa Signature® Flagship Rewards?

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 Visa Signature® Flagship Rewards is from Navy Federal Credit Union, so they're governed by separate bank policies.