Hilton Honors Surpass® vs Southwest Rapid Rewards® Performance Business
Side-by-side comparison
| Hilton Honors Surpass® | Southwest Rapid Rewards® Performance Business | |
|---|---|---|
| Annual fee | $150 | $299 |
| Welcome offer | 80,000 points | |
| Advertising | 3% | 1% |
| Shipping | 3% | 1% |
| Office supplies | 3% | 1% |
| Phone & internet | 3% | 1% |
| Travel | 1% | 4% |
| Everything else | 3% | 1% |
| Est. yearly rewards* | $1,380 | $636 |
| Points type | Locked to Hilton Honors | Locked to Southwest Rapid Rewards |
| 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 Southwest Rapid Rewards® Performance Business about $636, 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 Southwest Rapid Rewards® Performance Business charges $299, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Hilton Honors Surpass® delivers more total value, about $993 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 Hilton Honors Surpass® if your spending leans toward advertising, shipping, office supplies. Pick the Southwest Rapid Rewards® Performance Business if your spending leans toward travel.