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All comparisons
Head-to-head, 2026

American Express Hilton Honors Business 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

Hilton Honors Business

Annual fee
$195
Network
amex
Welcome value
—
Min spend
$6,000 / 6mo

Top earning rates

  • 12×Hotels · Hilton Honors
  • 5×Shipping · Hilton Honors
  • 5×Wireless_services · Hilton Honors
  • 5×Flights · Hilton Honors

Key benefits

  • $240 Hilton Credit · $60
  • Employee Cards · $0
  • Upgrade to Hilton Honors Diamond Status (Spend Tier) · $0
  • Complimentary National Car Rental Status · $0
  • Baggage Insurance Plan · $0
Full American Express Hilton Honors Business 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