American Express® Business Platinum vs Hilton Honors Surpass®
Side-by-side comparison
| American Express® Business Platinum | Hilton Honors Surpass® | |
|---|---|---|
| Annual fee | $895 | $150 |
| Welcome offer | Up to 300,000 Membership Rewards® Points | |
| Advertising | 1% | 3% |
| Shipping | 1% | 3% |
| Office supplies | 1% | 3% |
| Phone & internet | 1% | 3% |
| Travel | 5% | 1% |
| Everything else | 1% | 3% |
| Est. yearly rewards* | $642 | $1,380 |
| Points type | Transfers to airlines & hotels | Locked to Hilton Honors |
| Network | Amex | Amex |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the American Express® Business Platinum earns about $642 a year in rewards and the Hilton Honors Surpass® about $1,380, valuing every point at a flat 1 cent. The American Express® Business Platinum charges $895, but carries about $1,565 in annual statement credits that offset it for anyone who uses them. The Hilton Honors Surpass® charges $150, but carries about $235 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the Hilton Honors Surpass® delivers more total value, about $818 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. The bigger difference is the ceiling: the American Express® Business Platinum earns points you can move to travel partners for outsized value, while the Hilton Honors Surpass® stays locked to a single airline or hotel program. Favor the American Express® Business Platinum if you will use travel transfers, the Hilton Honors Surpass® if you want simplicity. On the sign-up bonus, the American Express® Business Platinum currently has the larger welcome offer. Note that Hilton Honors Surpass® is running a limited-time offer above the usual amount, so that edge may not last. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the American Express® Business Platinum if your spending leans toward travel. Pick the Hilton Honors Surpass® if your spending leans toward advertising, shipping, office supplies.