Credit Cards » Compare Credit Cards » Amex Gold Card vs. Hilton Honors Surpass: How They Compare?
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Amex Gold Card vs. Hilton Honors Surpass: How They Compare?

The Hilton Honors Surpass wins at estimated cashback, while the Amex Gold card is the winner for everyday spending and extra benefits
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

The American Express® Gold Card and the Hilton Honors Surpass Card are both popular credit cards, each offering unique benefits catering to different preferences and lifestyles.

Here's our full comparison to help you decide between the two:

General Comparison

The Amex gold card charges a higher annual fee than the Surpass card, but when it comes to accumulating points, – the Hilton earns more points in almost every category. 

However, the Amex gold card is the winner when it comes to extra benefits, including a variety of statement credits and access to the Amex fine hotels & resorts program. Also, the Gold card has the advantage when it comes to redemption options as you are not tied to a specific hotel network and you can redeem your points for a variety of things, including transferring them to hotels/airline points.

Here's a side-by-side comparison:

Amex gold

Hilton Honors American Express Surpass® Card

American Express Gold Card
Hilton Honors Surpass
Annual Fee
Rewards
4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases. Terms Apply.
Earn 12x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 6x Points on dining at U.S. restaurants , and for takeout and delivery in the U.S, on groceries at U.S. supermarkets and at U.S. gas stations. Earn 4X Points for each dollar on U.S. Online Retail Purchases and 3X Points on all other purchases
Welcome bonus
60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership
0% Intro APR
N/A
N/A
Foreign Transaction Fee
Purchase APR
21.24% – 29.24% Variable
20.99% – 29.99% variable
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Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Hilton Amex vs. Hilton Surpass: Point Rewards Analysis

In the comparison of points rewards between the two cards, the Surpass card is definitely a good surprise. Despite its lower annual fee, it can drive much more points than the Amex gold card. 

The main strength of the Amex gold card is the high rewards ratio in U.S. supermarkets, but the Hilton Surpass card also covers this category, and wins in almost every other category as well.

Amex gold

Hilton Honors American Express Surpass® Card

Spend Per Category
American Express Gold Card
Hilton Honors Surpass
$10,000 – U.S Supermarkets
40,000 points
60,000 points
$4,000 – Restaurants
16,000 points
24,000 points
$4,000 – Airline
12,000 points
12,000 points
$5,000 – Hotels
5,000 points
60,000 points
$4,000 – Gas
4,000 points
24,000 points
Total Points
77,000 points
180,000 points
Redemption Value (Estimated)
1 point = ~0.6 – 1.6 cent
1 point = ~0.6 cent
Estimated Annual Value
$462 – 1,232
$1,080

Hilton Surpass offers various ways for you to redeem points you earn through its loyalty program. You can use points to book free hotel stays, covering the cost of your room. Beyond hotel stays, you can also redeem points for experiences, travel, shopping, and more through the Hilton Honors program

Book hotel with Hilton Surpass card points
Book hotel with Hilton Surpass card points (screenshot taken by our team from Hilton website)

The American Express Gold Card offers versatile rewards redemption options. You can use points for travel, hotel stays, or dining expenses. Additionally, you can redeem points for statement credits, covering various purchases.

Can I Transfer Amex Gold Points To Hilton?

Certainly, you can transfer Amex Gold points to Hilton Honors at a 1:2 ratio, meaning 1 Amex Gold point equals 2 Hilton Honors points.

Keep in mind that transfer ratios may vary among different American Express cards. Transfers, starting at a minimum of 200 points in increments of 50, typically take 48-72 hours.

Despite the seemingly generous ratio, travel experts suggest caution as Amex points are generally more valuable when used for other redemptions like flights or transfers to alternative travel partners.

With Amex points valued around 1.5 cents for travel redemptions each compared to Hilton's 0.6 cent , transferring to Hilton may result in less favorable value for your Amex points.

Amex gold Transfer points to Airline and Hotels - Emirates, Etihad, Hawaiian and Hilton honors
Transfer Amex gold points to Airline and Hotels (Screenshot taken by our team from American Express app)

Which Benefits You'll Get With Each Card?

The Amex gold card is the winner for extra perks, offering a variety of statement credits for dining, experience, TSA PreCheck, and Uber. 

The Hilton Surpass offers a $200 Hilton annual credit and elite Gold Status which can be very valuable if you are  a Hilton loyal customer.

American Express Gold Card

Amex gold

  • Get up to $120 Uber Credit: Connect your new Gold Card to Uber and get $10 Uber Cash every month, usable for Uber rides or UberEats, with a yearly max of $120.
  • Enjoy $120 Dining Credit: Pay with your Amex Gold Card at places like The Cheesecake Factory, Shake Shack, and more to get up to $10 in statement credit each month.
  • Up to $100 Experience Credit: Book a two-night getaway with The Hotel Collection on Amex Travel and get a $100 experience credit (varies by property).
  • Travel Smoothly with Global Entry or TSA PreCheck® Credit: Get up to $100 for Global Entry or up to $85 for TSA PreCheck.
Amex membership Experience event
(Screenshot from American Express app)
  • Entertainment Perks: Access exclusive events and get presale tickets for concerts and sports through the Amex Gold Card Entertainment Access program (subject to availability).
  • Luxury Hotel Bonuses: Enjoy perks like room upgrades and free breakfast for two at select hotels with the American Express Fine Hotels & Resorts program.
  • Top-Notch Concierge Service: The Amex Gold Card offers a concierge service for help with travel and dining reservations, though availability may limit fulfilling all requests.

Terms apply to American Express benefits and offers.

Hilton Amex Surpass Card

Hilton Honors American Express Surpass® Card

  • $200 Hilton Credit: Enjoy up to $50 in statement credits per quarter, totaling $200 annually, for direct purchases with Hilton properties using your Hilton Honors American Express Surpass® Card.
Use Hilton credit on Hilton hotel chain
Use Hilton credit on Hilton hotel chain
  • Hilton Honors™ Upgrade to Diamond Status: Achieve Hilton Honors Diamond status by spending $40,000 on eligible purchases in a calendar year, extending the status through the end of the next calendar year.
  • Free Night Reward: Earn a Free Night Reward from Hilton Honors after spending $15,000 (Surpass) or $30,000 (Aspire) on eligible purchases on your Card in a calendar year.
  • Hilton Honors Gold Status: Receive complimentary Gold Status, providing benefits such as a 5th night free on standard room stays of 5+ nights, and an 80% Bonus on all Base Points to accelerate your free night earnings.
HiltonHonors gold status benefits
HiltonHonors gold status benefits (screenshot taken by our team from Hilton app)
  • ShopRunner: Enjoy complimentary membership with ShopRunner, providing free 2-day shipping on eligible items from a network of 100+ online stores, accessible by enrolling with your eligible Card at shoprunner.com/americanexpress.
  • National Car Rental® Status: Surpass® Card Members can receive free National Car Rental® Emerald Club Executive® status. This includes benefits like access to the Executive Area (for full-size reservations and above) in the USA and Canada. Enrollment is required.

Terms apply to American Express benefits and offers.

Insurance Benefits

Since both cards are part of Amex cards, they offer quite similar travel insurance perks and protections:

  • Car Rental Loss and Damage Insurance: When you reserve and pay for a rental vehicle with your Card, declining the rental counter's collision damage waiver, you can be protected against damage or theft in specific regions, subject to certain exclusions and limitations.
  • Baggage Insurance Plan: When you purchase a common carrier vehicle ticket with your Eligible Card, you can receive coverage for lost, damaged, or stolen baggage.
  • Global Assist® Hotline: Access the Global Assist Hotline for travel assistance over 100 miles from home, offering services like lost passport replacement, translation, missing luggage, and emergency legal and medical referrals.

However, the Hilton Surpass card offers better travel protections which also includes:

  • Purchase Protection: Eligible purchases made with your card can be protected for up to 90 days from the purchase date, offering coverage for theft, accidental damage, or loss.
  • Extended Warranty: When you use your  card for eligible purchases, you can receive an extra year of warranty coverage for warranties lasting 5 years or less in the United States or its territories.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

When You Might Want the Hilton Surpass Card?

You Might Prefer the Hilton Surpass card over the Amex Gold card if:

  • Loyalty to Hilton Properties: Choose the Hilton Honors Surpass over the Amex Gold Card if you frequently stay at Hilton properties, as the Surpass card offers elevated Hilton Honors status and bonus points for Hilton stays, maximizing your loyalty benefits.

  • Desire for Premium Hotel Benefits: Opt for the Hilton Honors Surpass if you value premium hotel perks, including Hilton resort credits, and Gold Elite status, which can significantly enhance your overall hotel experience, making it a superior option for those seeking added luxury.

  • High Points Rewards Ratio: As we can see in our analysis, while the Surpass annual fee is lower – the points rewrads ratio is higher than the Amex Gold card on most categories, giving you the option to earn a large amount of Hilton points.

Book travel with Amex gold points
Book travel with Amex gold points (Screenshot taken by our team from American Express app)

When You Might Want the Hilton Surpass Card?

You Might Prefer the American Express Gold card if:

  • You Want Transferable Membership Rewards Points: If you value the flexibility of redemption options and transferable points, the Amex Gold Card allows you to convert Membership Rewards points to various airline and hotel partners, providing versatility in how you redeem your rewards beyond hotel stays.

  • Preference for a Broader Hotel Portfolio: If your travel preferences include a variety of hotel brands beyond Hilton, the Amex Gold Card allows you to explore diverse accommodations through the Membership Rewards Hotel Collection, providing flexibility in your choice of hotels.

  • You Want Global Entry or TSA PreCheck Fee Credit: If expedited airport security screening is a priority, the Amex Gold Card includes a statement credit for either Global Entry or TSA PreCheck, offering added convenience for frequent travelers.

Compare The Alternatives

If you're in search of a travel credit card offering hotel rewards, there are several compelling alternatives worth exploring:

amex platinum

Venture X Rewards

The Platinum Card® from American Express
Chase Sapphire Reserve®
Capital One Venture X Rewards
Annual Fee
$550
$395
Rewards
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
1X – 10X

5X total points on air travel and 10X total points on hotels, car rentals and dining when you purchase through Chase Ultimate Rewards®, immediately after earning your $300 annual travel credit. Also, earn 3x points on dining at restaurants and travel (after meeting the $300 travel credit), then 1x points per dollar spent on all other purchases.

1X – 10X 10 miles per dollar on hotels and rental cars when booking via Capital One Travel, 5 miles per dollar on flights and 2 miles per dollar on all eligible purchases
Welcome bonus
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership
60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
75,000 miles 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
Foreign Transaction Fee
$0
$0
Purchase APR
21.24% – 29.24% APR Variable
22.49%–29.49% variable
19.99% – 29.99% (Variable)

Compare Hilton Honors Amex Surpass Card

The Surpass card boasts a notably higher annual fee, justified by its superior rewards ratio and benefits compared to the Hilton Honors card.

Hilton Honors vs. Hilton Surpass Card: How They Compare?

If you can maximize your points, rewards, and benefits, the Hilton Aspire is our winner. But, if your spend is not so high – the Surpass wins.

Hilton Honors Surpass vs. Hilton Aspire Card: How They Compare?

The Hilton Amex Surpass is our winner as it offers higher estimated total cashback than the Marriot Boundless card and additional hotel perks.

Marriott Bonvoy Boundless vs. Hilton Amex Surpass: Side By Side Comparison

Despite having a higher annual fee, the Hilton Surpass card is our winner with higher estimated annual cashback and better extra hotel perks.

IHG One Rewards Premier vs. Hilton Amex Surpass: Side By Side Comparison

The Hilton Surpass and World of Hyatt card are two of the best medium tier hotel cards with great cash back rates and extra hotel perks.

World of Hyatt Card vs. Hilton Amex Surpass: Side By Side Comparison

Compare American Express Gold Card

If you're looking for everyday spending rewards, the Amex Gold Card offers more. But for travel rewards benefits, there is a clear winner.

American Express Gold Card vs. American Express Platinum

The Amex Gold Card may be more appealing if you dine out frequently and value premium travel perks than the Apple card.

Apple Card vs. Amex Gold: Which Card Is Best?

While the Amex Gold Card is more expensive than the Blue Cash Preferred, its rewards program and other benefits are more lucrative.

Amex Blue Cash Preferred vs. Amex Gold: Which Card Is Best?

The Autograph is great for travelers who want to stay on budget, while Amex Gold provides premium travel benefits and redemption options.

Wells Fargo Autograph Vs. Amex Gold Card: Which Is Best?

If you're a dedicated Delta traveler, the Delta SkyMiles Gold may be your top pick, while the Amex Gold offers a broader range of benefits.

Delta SkyMiles Gold Card vs. Amex Gold: Which Card Wins?

While Amex Gold Card offers statements credits and everyday spending benefits, the Venture card is cheaper and include decent travel perks.

Capital One Venture vs. Amex Gold Card: How They Compare?

The Venture X offers better travel rewards than the Amex Gold but is less appealing if you're looking for everyday spending rewards.

Amex Gold Card vs. Capital One Venture X : Which Premium Card Is Best?

The Amex Gold Card focused on everyday spending and general travel rewards, the Delta SkyMiles Reserve Card offer premium airline benefits.

Amex Gold Card vs. Delta SkyMiles Reserve: Side By Side Comparison

The Freedom Unlimited beckons with its cash-back rewards, but the Amex Gold exudes luxury, boasting robust rewards on dining and groceries.

Chase Freedom Unlimited vs. Amex Gold Card: Which Card Wins?

The Amex Gold Card focuses on everyday spending rewards, while the Delta SkyMiles Platinum is tailored for frequent Delta travelers.

Amex Gold Card vs. Delta SkyMiles Platinum: Side By Side Comparison

If you're looking for travel rewards, there is a clear winner. But what about if you're looking for rewards on everyday spending?

American Express Gold Card vs Chase Sapphire Reserve: Which Premium Card Is Best?

While the Amex gold card is best for everyday spending, the Chase sapphire preferred may be better as a travel card. Here's our comparison.

American Express Gold Card Vs. Chase Sapphire Preferred: Which Is Best?

Review Travel Credit Cards

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.

Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.