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All comparisons
Head-to-head, 2026

American Express Graphite Business Cash Unlimited 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 Hilton Honors Surpass

American Express

Graphite Business Cash Unlimited Card

Annual fee
$295
Network
amex
Welcome value
—
Min spend
—

Top earning rates

  • 2×All other purchases

Key benefits

  • American Express One AP Statement Credit (Spend Tier) · $2400
  • Return Protection · $0
  • No Foreign Transaction Fees · $0
  • Pay Over Time · $0
  • Virtual Card Controls · $0
Full American Express Graphite Business Cash Unlimited Card review

American Express

Hilton Honors Surpass

Annual fee
$150
Network
amex
Welcome value
$825
Min spend
$3,000 / 6mo

Top earning rates

  • 12×Hilton purchases · 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
  • Extended Warranty · $0
  • Hilton Honors™ Gold Status · $0
  • Baggage Insurance Plan · $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.

Get my personal answer