United Club vs Hilton Honors Surpass: Which Is Better In 2025?

Hilton Honors American Express Surpass® Breakdown

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Why We Like It

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This section breaks down why we like the Hilton Honors American Express Surpass® Card.

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• The card offers strong rewards on Hilton stays and at U.S. restaurants, supermarkets, and gas stations, though it does come with an annual fee (See Rates & Fees).
• Cardholders automatically receive Hilton Honors Gold status, which provides valuable perks like room upgrades and daily food and beverage credits at U.S. properties.
• The up to $200 in annual statement credits for Hilton purchases can more than offset the card's annual fee (publisher-formulated estimate).

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Pros

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• Earn a Free Night Reward after meeting an annual spending requirement.
• Provides a pathway to top-tier Hilton Honors Diamond status through card spending.
• Includes valuable travel perks like complimentary rental car status (enrollment required) and no foreign transaction fees.

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Cons

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• The value of Hilton Honors points can be unpredictable due to dynamic award pricing, and they offer limited flexibility for airline transfers.
• It lacks some premium perks common to travel cards, such as automatic annual free night awards and airport lounge access.

Hilton Honors American Express Surpass® vs United Club

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Categories

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Deciding which is better, the United Club℠ Card or the Hilton Honors American Express Surpass® Card, comes down to your primary travel loyalty. Each card is designed for a different type of traveler, offering distinct benefits tailored to either airline or hotel spending.

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• United Club℠ Card: This premium airline card is built for frequent United Airlines flyers. It offers top-tier benefits that enhance the airport experience and reward loyalty to the airline.
• Hilton Honors American Express Surpass® Card: This hotel rewards card is ideal for travelers who frequently stay at Hilton properties. It provides automatic elite status and maximizes point earnings on hotel stays and everyday purchases.

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Redemption

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United Club℠ Card: Rewards are redeemed through the United MileagePlus program, primarily for flights with United and its Star Alliance partners, as well as for seat upgrades and other travel-related purchases.

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Hilton Honors American Express Surpass® Card: Points are redeemed within the Hilton Honors loyalty program, most commonly for free hotel nights at properties across Hilton's portfolio. Points can also be used for on-property rewards, travel experiences, and transfers to airline partners.

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Travel Perks

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• Lounge Access: The United Club℠ Card includes a full United Club membership, granting access to its lounges and select partner lounges. In contrast, the Hilton Honors American Express Surpass® Card provides a yearly allotment of complimentary lounge visits through Priority Pass™ Select (enrollment required; Terms apply).
• Elite Status and Priority Services: The Surpass® Card confers automatic Hilton Honors Gold status, unlocking benefits like potential room upgrades and bonus points at Hilton properties (Terms apply). The United Club℠ Card focuses on the airport experience, offering Premier Access® services like priority check-in, security screening, and boarding on United flights.
• Baggage Allowance: With the United Club℠ Card, the primary cardmember and a companion on the same reservation receive their first and second checked bags free on United-operated flights. The Surpass® Card does not include a complimentary baggage benefit.
• Foreign Transaction Fees: Both cards are well-suited for international travel, as neither imposes a foreign transaction fee on purchases made outside the United States.
• Booking Ecosystem: Each card operates within a distinct travel ecosystem. The United Club℠ Card is tied to United's booking platform for flights and packages, while the Surpass® Card leverages the comprehensive American Express Travel portal for a wide range of travel bookings.

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Compare Top Rated Credit Cards with Kudos

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To find the best card for your unique spending habits, a tool like Kudos can help you compare thousands of top-rated credit cards.

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• Test drive credit cards: Simulate your potential earnings with a new card using your actual spending data before you apply, with no impact on your credit score.
• Approval odds analysis: Get a detailed breakdown of your approval chances for different cards based on your credit report.
• Welcome offer guarantee: If you find a better welcome offer within three months of being approved through Kudos, the platform will match it.
• Kudos Boost: Earn extra rewards on top of your regular card earnings when you shop at participating stores.
• Bonus tracking: Monitor your progress toward earning new card sign-up bonuses.
• Financial monitoring: Keep an eye on your transactions, spending habits, and credit score all in one place.

Who Should Choose the United Club?

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The United Club℠ Infinite Card is built for the dedicated United Airlines traveler, especially those who fly multiple times a year and value comfort and convenience. Business and international travelers will find significant value in the complimentary United Club membership, which grants access to a global network of airport lounges, and premium travel perks like priority boarding and free checked bags. Additionally, it's a strong choice for MileagePlus members looking to fast-track their way to Premier status through card spending.

Who Should Choose the Hilton Honors American Express Surpass®?

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The Hilton Honors American Express Surpass® Card is an excellent choice for frequent Hilton guests who can take full advantage of the automatic Gold elite status and its associated perks. It also appeals to moderate travelers and everyday spenders who want to rack up points on U.S. restaurant, supermarket, and gas station purchases without committing to a premium card's high annual fee. Ultimately, as detailed in our Surpass Card review, the card is ideal for value-conscious travelers looking to save points for aspirational stays.

Alternatives to Consider

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If the United Club vs Hilton Honors Surpass comparison has revealed that neither card is the ideal choice for you, several other compelling travel rewards cards are worth exploring. Let's look at a few alternatives that may better align with your financial goals and travel preferences.

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_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

Tips for Application Success

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Before You Apply

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• Check your credit score.Most premium travel cards require a good to excellent credit history for approval.
• Confirm your eligibility.Review issuer policies, such as Amex's lifetime language, to ensure you qualify for the welcome offer.
• Strategize your rewards.Have a plan for how you will use the card's points and benefits before you apply.

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Application Strategy

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• Time your application.Apply before a large planned purchase to help meet the welcome offer's spending requirement.
• Know the issuer's rules.Issuers like American Express may limit welcome offers to once per lifetime for a specific card.
• Don't settle for a lower offer.Some issuers allow you to decline an offer and re-apply later without impacting your credit score.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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Should I get an airline credit card or a hotel credit card?

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The best choice depends on your travel patterns. If you are loyal to a specific airline, a co-branded airline card offers targeted perks like free checked bags and lounge access, while a hotel card is better if you prefer earning rewards and status with a particular hotel chain.

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Is United Club membership worth the annual fee?

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A United Club membership can be extremely valuable if you fly with United or its partners frequently, as it provides a comfortable space to relax and work before flights. You should weigh the card's annual fee against how many times you anticipate using the lounge access each year.

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What is the primary advantage of the Hilton Honors Surpass card?

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The Hilton Honors Surpass card's key benefit is the automatic Hilton Honors Gold status it provides. This status unlocks valuable perks like space-available room upgrades and daily food and beverage credits in the U.S. or continental breakfast at many properties internationally.

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