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All comparisons
Head-to-head, 2026

American Express Business Gold 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 Hilton Honors Surpass

American Express

Business Gold

Annual fee
$199
Network
amex
Welcome value
—
Min spend
$15,000 / 3mo

Top earning rates

  • 4×2 categories where your business spends the most in each billing cycle from 6 categories · Membership Rewards
  • 3×Flights & Pre-Paid Hotels · Membership Rewards
  • 3×The Hotel Collection · Membership Rewards
  • 1×All Other Eligible Purchases · Membership Rewards

Key benefits

  • $300 ChatGPT Business Credit · $300
  • $150 Squarespace Credit · $150
  • $240 Flexible Business Credit · $20
  • $155 Walmart+ Credit · $13
  • Car Rental Loss and Damage Insurance · $0
Full American Express Business Gold 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 · Hilton Honors
  • 6×U.S. supermarkets · Hilton Honors
  • 6×U.S. Gas Stations · Hilton Honors

Key benefits

  • Free Night Reward (Spend Tier) · $300
  • $200 Hilton Credit · $50
  • Baggage Insurance Plan · $0
  • Hilton Honors® Gold Status · $0
  • National Emerald Club Executive Status · $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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