Hilton Honors Surpass® vs Hilton Honors American Express Business Card
Side-by-side comparison
| Hilton Honors Surpass® | Hilton Honors American Express Business Card | |
|---|---|---|
| Annual fee | $150 | $195 |
| Welcome offer | 130,000 points | |
| Advertising | 3% | 3% |
| Shipping | 3% | 5% |
| Office supplies | 3% | 3% |
| Phone & internet | 3% | 5% |
| Travel | 1% | 5% |
| Everything else | 3% | 3% |
| Est. yearly rewards* | $1,380 | $1,638 |
| Points type | Locked to Hilton Honors | 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 Hilton Honors Surpass® earns about $1,380 a year in rewards and the Hilton Honors American Express Business Card about $1,638, valuing every point at a flat 1 cent. The Hilton Honors Surpass® charges $150, but carries about $200 in annual statement credits that offset it for anyone who uses them. The Hilton Honors American Express Business Card charges $195, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Hilton Honors American Express Business Card delivers more total value, about $113 a year more for a typical spender, mostly because it earns more where you spend most, on travel and shipping. 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 two are currently comparable in size. 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 Hilton Honors American Express Business Card if your spending leans toward shipping, phone & internet, travel.