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All comparisons
Head-to-head, 2026

American Express Blue Business Plus American Express Hilton Honors Surpass

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: American Express Blue Business PlusBigger welcome offer: American Express Hilton Honors Surpass

American Express

Blue Business Plus

Annual fee
$0
Network
amex
Welcome value
~$300
Min spend
$3,000 / 3mo

Top earning rates

  • 2×Everyday business purchases · Membership Rewards
  • 2×Eligible purchases on AmexTravel.com or the Amex Travel App™ · Membership Rewards
  • 1×All other eligible purchases · Membership Rewards

Key benefits

  • Extended Warranty · $0
  • Car Rental Loss and Damage Insurance · $0
  • Amex Special Ticket Access · $0
  • Purchase Protection · $0
  • Year-End Summary · $0
Full American Express Blue Business Plus review

American Express

Hilton Honors Surpass

Annual fee
$150
Network
amex
Welcome value
~$520
Min spend
$3,000 / 6mo

Top earning rates

  • 12×Hotels and resorts within the Hilton portfolio · Hilton Honors
  • 6×U.S. restaurants
  • 6×U.S. supermarkets
  • 6×U.S. gas stations

Key benefits

  • Free Night Reward (Spend Tier) · $300
  • $200 Hilton Credit · $50
  • Hilton Honors® Gold Status · $0
  • National Emerald Club Executive Status · $0
  • Car Rental Loss and Damage Insurance · $0
Full American Express Hilton Honors Surpass review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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