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If you’re in the market for a personal Hilton credit card and are willing to pay an annual fee to receive a great welcome bonus and benefits, you may be wondering whether to apply for the Hilton Honors American Express SurpassĀ® Card or the benefits-heavy Hilton Honors American Express Aspire Card.

Both cards are offering excellent welcome bonuses of more than 100,000 points, but you’ll have to keep in mind that TPG only values Hilton points at .6 cents each. Beyond that, these two cards exemplify the conundrum of deciding between a premium and entry-level credit card better than any other pair I…

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