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All comparisons
Head-to-head, 2026

American Express Delta SkyMiles® Gold Business 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.

Bigger welcome offer: American Express Delta SkyMiles® Gold Business Card

American Express

Delta SkyMiles® Gold Business Card

Annual fee
$150
Network
amex
Welcome value
~$1,080
Min spend
$6,000 / 6mo

Top earning rates

  • 2×Delta purchases · Delta SkyMiles
  • 2×Dining · Delta SkyMiles
  • 2×Advertising · Delta SkyMiles
  • 1×All other purchases · Delta SkyMiles

Key benefits

  • $200 Delta Flight Credit (Spend Tier) · $200
  • $150 Delta Stays Credit · $150
  • First Checked Bag Free · $140
  • $120 Rideshare Credit · $10
  • TakeOff 15 · $0
Full American Express Delta SkyMiles® Gold Business 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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