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VS

Compare the Features and Benefits of Southwest® Rapid Rewards® Premier Business Credit Card and
Hilton Honors Surpass® Credit 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
Unique Card Benefits
Annual Statement Credits
Extended Warranty
Purchase Protection
Trip Protections
No Fees for Authorized Users
No Foreign Transaction Fees
Primary Car Rental CDW Waiver
Roadside Assistance
Free Checked Bags
Travel and Emergency Assistance Services
Does Not Report Credit Line to Personal Credit Profile
Grants Hotel Status
Grants Car Rental Status
Secondary Car Rental CDW Waiver
Amex Offers
Annual Fee
$99
Avg. Min. Credit Score
670-850 *
Ongoing APR
21.49%-28.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
3x Airfare

Earn 3X on Southwest flights booked directly; otherwise earn 1X

2x Transit
2x Hotels

Only when booked via the Rapid Rewards portal; Otherwise earn 1X.

2x Car Rentals

Only when booked via the Rapid Rewards portal; Otherwise earn 1X.

1x Everything Else
Avg. Point Value
(Learn More)
$0.014
Bonus Offer
Earn up to 120,000 points. Earn 60,000 points after you spend $3,000 on purchases in the first 3 months from account opening and an additional 60,000 points when you spend $15,000 in 9 months.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.9) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

Small business owners that occasionally fly Southwest should consider getting the Southwest Premier Business Credit Card. You’ll get a solid earning rate on Southwest Airlines purchases and select travel purchases, a statement credit for two EarlyBird Check-Ins each card membership year, plus 25% back on inflight purchases.

Get onboard earlier thanks to two EarlyBird Check-In purchases annually.

In addition to the bonus points earned after account opening, cardholders earn points at a rate of 3x Rapid Rewards points on Southwest purchases, 2x points on Southwest Rapid Rewards hotel and car rental partner purchases, local transit, commuting, and ride-hailing services, and 1x Rapid Rewards points on all other purchases.

When you earn points through the Southwest Premier Business Credit Card, they count toward earning the Southwest Companion Pass. Plus you’ll earn 1,500 Tier-Qualifying Points toward A-List status for every $10,000 spent on the card in a calendar year.

You can boost your point earnings by adding employee cards at no additional cost. If you want a unique way to reward your employees, the Southwest Premier Business Card reimburses up to $500 in fees for points transfers.

Earn points that have no blackout dates on Southwest Airlines flights.

When you go to redeem points, Southwest offers a simple rewards structure. You’ll pay between 81 and 83 Rapid Rewards points per dollar of base fare on Southwest flights, valuing the points around 1.4 cents each. While there are no blackout dates, that also means there’s no way of getting more value from your Rapid Rewards points.

Although the Southwest Premier Business Card is a solid card, Southwest frequent travelers should strongly consider getting the Southwest Performance Business Credit Card instead. For a $199 annual fee, you’ll earn higher rewards in several rewards categories: 4x bonus points on Southwest purchases, 3x points on Rapid Rewards hotel and car rental partner purchases, 2x points on social media and search engine advertising, internet, cable, and phone services, and 1x on other purchases. Plus, you’ll get four Upgraded Boardings each year and a Global Entry or TSA PreCheck application fee statement credit.

Lastly, this card is great for getting halfway to a Southwest Companion Pass with the bonus offer. Read our guide on earning a Southwest Companion Pass for up to two years via new account bonuses.

Read more
Unique Card Benefits
yes
Annual Statement Credits
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
No Fees for Authorized Users
yes
No Foreign Transaction Fees
yes
Primary Car Rental CDW Waiver
yes
Roadside Assistance
yes
Free Checked Bags
yes
Travel and Emergency Assistance Services
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Grants Hotel Status
no
Grants Car Rental Status
no
Secondary Car Rental CDW Waiver
no
Amex Offers
no
Annual Fee
$150 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
12x Hotels

At Hilton portfolio properties when you book direct with Hilton or the hotel. Otherwise, earn 3X points

6x Gas Stations

U.S. gast stations

6x Dining Out / Food Delivery

U.S. dining, including takeout and delivery

6x Groceries

U.S. Supermarkets. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

4x Online Retail Shopping

U.S. Online Retail Shopping

3x Everything Else
Avg. Point Value
(Learn More)
$0.005
Bonus Offer
Earn 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer Ends 7/31/2024. Terms Apply.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.08) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

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.

Hilton Surpass Credit Card dining bonus category
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.

View from an infinity pool at the Waldorf Astoria Pedregal in Los Cabos, Mexico - Bookable with Hilton Honors points and Free Night Rewards.
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

Read more
Unique Card Benefits
yes
Annual Statement Credits
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
No Fees for Authorized Users
yes
No Foreign Transaction Fees
yes
Primary Car Rental CDW Waiver
no
Roadside Assistance
no
Free Checked Bags
no
Travel and Emergency Assistance Services
no
Does Not Report Credit Line to Personal Credit Profile
no
Grants Hotel Status
yes
Grants Car Rental Status
yes
Secondary Car Rental CDW Waiver
yes
Amex Offers
yes

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