Hilton Honors Surpass® vs Wyndham Rewards Earner® Business Card
Side-by-side comparison
| Hilton Honors Surpass® | Wyndham Rewards Earner® Business Card | |
|---|---|---|
| Annual fee | $150 | $149 |
| Welcome offer | 100,000 points | |
| Advertising | 3% | 5% |
| Shipping | 3% | 5% |
| Office supplies | 3% | 5% |
| Phone & internet | 3% | 1% |
| Travel | 1% | 1% |
| Everything else | 3% | 1% |
| Est. yearly rewards* | $1,380 | $1,170 |
| Points type | Locked to Hilton Honors | Locked to Wyndham 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 Wyndham Rewards Earner® Business Card about $1,170, 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 Wyndham Rewards Earner® Business Card charges $149, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Hilton Honors Surpass® delivers more total value, about $309 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and phone & internet. 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 phone & internet, everything else. Pick the Wyndham Rewards Earner® Business Card if your spending leans toward advertising, shipping, office supplies.