United Explorer 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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Here’s a closer look at why we’re fans of the Hilton Honors American Express Surpass® Card.

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• It offers generous rewards, including 12x points on Hilton purchases and 6x points across several everyday spending categories.
• Cardholders receive complimentary Hilton Honors Gold status, a valuable perk for a card with a $150 annual fee (See Rates & Fees).
• The up to $200 in annual Hilton statement credits and Gold status benefits can easily offset the annual fee for travelers who stay with Hilton a few times a year (publisher-formulated estimate).

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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.}

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Pros

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• Cardholders automatically receive Hilton Honors Gold status, unlocking perks like room upgrades and a daily food and beverage credit at U.S. properties.
• The card features accelerated points-earning on Hilton purchases and at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
• Travelers can earn a Free Night Reward after meeting an annual spending requirement, and the card has no foreign transaction fees.

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Cons

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• Hilton Honors points are generally considered less valuable than points from other hotel programs, and award night pricing can be unpredictable.
• The Free Night Reward requires meeting a high annual spending threshold and is not an automatic cardholder benefit.
• It lacks some premium travel perks like airport lounge access or primary rental car insurance.

Hilton Honors American Express Surpass® vs United Explorer

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Categories

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When it comes to travel rewards, the choice often boils down to your loyalty, so which is better United Explorer or Hilton Honors Surpass? The answer depends on whether your travels take you more often to the skies with a specific airline or to stays with a particular hotel chain.

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• United℠ Explorer Card is tailored for frequent flyers loyal to United Airlines. It offers the most value to travelers who regularly fly with the airline and want to enhance their airport experience.
• Hilton Honors American Express Surpass® Card is designed for travelers who frequently stay at Hilton properties. This card is also highly rewarding for everyday spending, making it a strong choice for those who want to accumulate hotel points from their daily purchases.

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Redemption

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United℠ Explorer Card: Miles earned with this card are redeemed through United's MileagePlus program, primarily for flights with United and its partners, but also for upgrades, hotel stays, and other travel experiences.

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Hilton Honors American Express Surpass® Card: Points are most valuable when redeemed for free nights across Hilton's portfolio of hotels, but they also offer flexibility for on-property rewards, exclusive experiences, and transfers to airline partners.

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Travel Perks

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• Lounge Access: The Hilton Honors American Express Surpass® Card provides a number of complimentary Priority Pass lounge visits annually (Terms apply), while the United℠ Explorer Card offers a couple of one-time United Club passes each year.
• Foreign Transaction Fees: Both cards are ideal for international travel, as neither charges a foreign transaction fee on purchases made abroad.
• Airline Perks: The United℠ Explorer Card is tailored for the United flyer, offering a free first checked bag for the cardmember and a companion on the same reservation, in addition to priority boarding privileges. The Hilton Honors American Express Surpass® Card does not include comparable airline-specific benefits.
• Status and Credits: Cardmembers receive complimentary Hilton Honors Gold status with the Hilton Honors American Express Surpass® Card, unlocking benefits like space-available room upgrades (Terms apply). In contrast, the United℠ Explorer Card provides a statement credit to cover the application fee for trusted traveler programs like Global Entry or TSA PreCheck.

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Compare Top Rated Credit Cards with Kudos

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To make a data-driven decision, a tool like Kudos can help you compare nearly 3,000 credit cards to find the best fit for your spending habits.

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• Test drive a credit card: See exactly how much a new card could earn you based on your real transaction history, with no application or credit pull required.
• Approval odds: Receive a detailed analysis of your approval odds for different cards based on your credit report.
• Welcome offer guarantee: If you find a better public welcome offer within three months of approval, Kudos will match it.
• Kudos Boost: Earn extra rewards on top of your credit card rewards when you shop at participating stores.
• Bonus tracking: Monitor your progress toward earning new card welcome offers for free.

Who Should Choose the United Explorer?

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The United℠ Explorer Card is primarily designed for frequent United Airlines flyers who travel with the airline at least a few times per year. These travelers can easily offset the annual fee through valuable perks like a free first checked bag for themselves and a companion, priority boarding, and two annual United Club℠ passes. Additionally, it's a strong choice for international travelers seeking to avoid foreign transaction fees and anyone who values expedited security, thanks to its statement credit for Global Entry, NEXUS, or TSA PreCheck®.

Who Should Choose the Hilton Honors American Express Surpass®?

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The Hilton Honors American Express Surpass® Card is a strong contender for frequent Hilton guests who can take full advantage of the automatic Gold elite status and its associated perks. It's also a great fit for moderate travelers and everyday spenders who want to earn Hilton points on purchases at U.S. restaurants, supermarkets, and gas stations. As our full card review explains, this card is ultimately for the value-conscious traveler who wants meaningful hotel benefits without paying for a premium card.

Alternatives to Consider

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After diving into the United Explorer vs Hilton Honors Surpass comparison, you might find that neither card perfectly aligns with your travel style. Fortunately, the world of travel rewards is vast, and we've rounded up a few other top contenders to consider.

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Tips for Application Success

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Before You Apply

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• Check your credit score - Most travel cards require good to excellent credit for approval.
• Plan your spending - Make sure you can naturally meet the welcome offer spending requirement.
• Review issuer rules and rewards - Check for restrictions like Amex's lifetime language and ensure the rewards fit your travel style.

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Application Strategy

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• Familiarize yourself with issuer-specific application rules.
• Time your application around a large planned purchase.
• Call the reconsideration line if your application is denied.

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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Is it worth getting both the United℠ Explorer Card and the Hilton Honors American Express Surpass® Card?

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For frequent travelers who are loyal to both United Airlines and Hilton properties, holding both cards can be a highly effective strategy. This approach allows you to maximize rewards and access dedicated perks across both your flights and hotel stays.

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Can I transfer points between United MileagePlus and Hilton Honors?

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No, you cannot directly transfer points between the United MileagePlus and Hilton Honors loyalty programs. Each program's points are distinct and must be earned and redeemed within its own ecosystem of partners.

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What kind of travel benefits do these cards offer besides points?

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Both cards offer valuable travel perks, such as the United℠ Explorer Card providing a free first checked bag and priority boarding on United flights. The Hilton Honors American Express Surpass® Card offers complimentary Hilton Honors Gold status, which includes benefits like room upgrades when available; enrollment may be required and terms apply.

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