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All comparisons
Head-to-head, 2026

American Express Business Green Rewards Card 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 Business Green Rewards CardBigger welcome offer: American Express Hilton Honors Surpass

American Express

Business Green Rewards Card

Annual fee
$95
Network
amex
Welcome value
~$250
Min spend
$3,000 / 3mo

Top earning rates

  • 2×Flights & Prepaid Hotels
  • 1×Other Eligible Purchases

Key benefits

  • Baggage Insurance Plan · $0
  • Extended Warranty · $0
  • Purchase Protection · $0
  • Global Assist® Hotline · $0
  • Car Rental Loss and Damage Insurance · $0
Full American Express Business Green Rewards Card 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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