Hilton Honors Surpass® vs Ink Business Cash®
Side-by-side comparison
| Hilton Honors Surpass® | Ink Business Cash® | |
|---|---|---|
| Annual fee | $150 | No annual fee |
| Welcome offer | ||
| Advertising | 3% | 1% |
| Shipping | 3% | 1% |
| Office supplies | 3% | 5% |
| Phone & internet | 3% | 5% |
| Travel | 1% | 1% |
| Everything else | 3% | 1% |
| Est. yearly rewards* | $1,380 | $684 |
| Points type | Locked to Hilton Honors | Pools with Chase → transferable |
| Network | Amex | Visa |
*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 Ink Business Cash® about $684, valuing every point at a flat 1 cent. The Hilton Honors Surpass® charges $150, but carries about $235 in annual statement credits that offset it for anyone who uses them. The Ink Business Cash® has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Hilton Honors Surpass® delivers more total value, about $664 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 Ink Business Cash® 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 Ink Business Cash® if you will use travel transfers, the Hilton Honors Surpass® if you want simplicity. 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 Hilton Honors Surpass® if your spending leans toward advertising, shipping, everything else. Pick the Ink Business Cash® if your spending leans toward office supplies, phone & internet.