Hilton Honors Surpass® Credit Card vs The Hilton Honors American Express Business Card

Detailed Comparison Overview

Key Facts

Annual Fee

Avg. Min. Credit Score

Ongoing APR

Balance transfers fees

Best Multiplier

Avg. Point Value
(Learn More)

Bonus Offer

Rating

Review

Key features

Grants Hotel Status

Annual Statement Credits

Grants Car Rental Status

Trip Protections

Secondary Car Rental CDW Waiver

Extended Warranty

Purchase Protection

No Fees for Authorized Users

No Foreign Transaction Fees

Amex Offers

Unique Card Benefits

Does Not Report Credit Line to Personal Credit Profile

Metal Card

Hilton Honors Surpass® Credit Card

Annual Fee

$150 (Rates and fees)

Avg. Min. Credit Score

Good-Excellent

Ongoing APR

20.49%-29.49% (Variable)

Balance transfers fees

Best Multiplier

12x Hotels

6x Gas Stations

6x Dining Out / Food Delivery

6x Groceries

4x Online Retail Shopping

3x All Other Eligible Purchases

Avg. Point Value
(Learn More)

$0.005

Bonus Offer

Earn 165,000 Bonus Points after spending $3,000 on eligible purchases within the first six months of Card Membership (Terms apply).

Rating

(4.08) Our Review

Review

With a relatively low $150 annual fee, The Hilton Honors American Express Surpass Card comes with some valuable benefits, including Gold Elite status, which gets you free breakfast (or a daily food and beverage credit) on all stays at full-service Hilton hotels and resorts.

You can redeem Hilton Honors points and Free Night Rewards for a room like this with room with a private plunge pool in Mexico

Waldorf Astoria Pedregal – Cabo, Mexico

With Hilton Honors points having an approximate value of 0.5 cents per point, you are earning roughly 6% back on Hilton stays and 3% back on select categories in the US: gas stations, gas, and groceries. Remember you’ll earn 3X Hilton Honors points on other eligible purchases, so that would be worth about a 1.5% return on spend.

The Hilton portfolio also has some amazing hotels and resorts at which you can spend your Hilton Honors points and Free Night Reward certificates. You can get value of rooms that sell for over $1,000 a night and include the Waldorf Astoria Maldives Ithaafushi and the Waldorf Astoria Pedregal in Los Cabos. You could easily make a case that simply being able to earn the lucrative Free Night Reward certificates is reason enough to hold this card.

While we don’t recommend the Hilton Honors Surpass card as your only credit card, it certainly is worth more than its annual fee if you frequently stay at Hilton portfolio hotels and resorts.

Rates and fees for the Hilton Honors Surpass® Credit Card

Grants Hotel Status

yes

Annual Statement Credits

yes

Grants Car Rental Status

yes

Trip Protections

yes

Secondary Car Rental CDW Waiver

yes

Extended Warranty

yes

Purchase Protection

yes

No Fees for Authorized Users

yes

No Foreign Transaction Fees

yes

Amex Offers

yes

Unique Card Benefits

yes

Does Not Report Credit Line to Personal Credit Profile

Metal Card

The Hilton Honors American Express Business Card

Annual Fee

$195 (Rates and fees)

Avg. Min. Credit Score

Good-Excellent

Ongoing APR

20.49%-29.49% (Variable)

Balance transfers fees

Best Multiplier

5x Dining Out / Food Delivery

5x Groceries

5x Airfare

5x Hotels

5x Car Rentals

5x EV Charging

5x Gas Stations

5x Cruises

5x Transit

5x Drugstores

5x Cable / Internet / VOIP Phone

5x Cellular Phone Service

5x Office Supplies

5x Rent

5x Streaming Services

5x Advertising (Online / TV / Radio)

5x Gym Memberships

5x U.S. Electronic Goods Retailers / Software / Cloud System Providers

5x Construction Materials / Hardware Supplies

5x Online Retail Shopping

5x Amazon / Whole Foods

5x Entertainment (Concerts / Shows / Movies)

5x Costco

5x Shipping

5x Advertising on Search Engines and Social Media

5x Lyft

5x Single Charges over $5,000

5x All Other Eligible Purchases

Avg. Point Value
(Learn More)

$0.005

Bonus Offer

Earn 175,000 Bonus Points after spending $8,000 on eligible purchases within the first six months of Card Membership (Terms apply).

Rating

(3.83) Our Review

Review

The Hilton Honors American Express Business Card comes with some valuable benefits, including Gold Elite status, which gets you free breakfast (or a daily food and beverage credit) on all stays at full-service Hilton hotels and resorts and is the only business credit card that earns Hilton Honors points.

With Hilton Honors points having an approximate value of 0.5 cents per point, you are earning roughly 6% back on Hilton stays (earning 12X) and 2.5% back on your first $100,000 of eligible spend (earning 5X).

However, after $100,000 in a calendar year, all eligible spend outside of a Hilton property will earn 3X which we would value at about 1.5% cash value.

Also, you’ll get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card. If you use all 4 credits in full, you’d more than cover the Card’s annual fee.

Hilton Honors Business Credit Card

The Hilton portfolio also has some breathtaking hotels and resorts at which you can spend your Hilton Honors points.

While we don’t recommend the Hilton Honors Business card as your only business credit card, it certainly is worth more than its annual fee if you frequently stay at Hilton portfolio hotels and resorts.

Rates and fees for the The Hilton Honors American Express Business Card

Grants Hotel Status

yes

Annual Statement Credits

yes

Grants Car Rental Status

yes

Trip Protections

yes

Secondary Car Rental CDW Waiver

yes

Extended Warranty

yes

Purchase Protection

yes

No Fees for Authorized Users

yes

No Foreign Transaction Fees

yes

Amex Offers

yes

Unique Card Benefits

Does Not Report Credit Line to Personal Credit Profile

yes

Metal Card

yes