Bank of America Business Advantage Unlimited Cash Rewards vs Hilton Honors Surpass®
Side-by-side comparison
| Bank of America Business Advantage Unlimited Cash Rewards | Hilton Honors Surpass® | |
|---|---|---|
| Annual fee | No annual fee | $150 |
| Welcome offer | $300 statement credit | |
| Advertising | 1.5% | 3% |
| Shipping | 1.5% | 3% |
| Office supplies | 1.5% | 3% |
| Phone & internet | 1.5% | 3% |
| Travel | 1.5% | 1% |
| Everything else | 1.5% | 3% |
| Est. yearly rewards* | $675 | $1,380 |
| Points type | Cash back only | Locked to Hilton Honors |
| Network | Mastercard | 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 Bank of America Business Advantage Unlimited Cash Rewards earns about $675 a year in rewards and the Hilton Honors Surpass® about $1,380, valuing every point at a flat 1 cent. The Bank of America Business Advantage Unlimited Cash Rewards has no annual fee, so its rewards are all profit. The Hilton Honors Surpass® charges $150, but carries about $200 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 $655 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Hilton Honors Surpass® currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Bank of America Business Advantage Unlimited Cash Rewards if your spending leans toward travel. Pick the Hilton Honors Surpass® if your spending leans toward advertising, shipping, office supplies.