Hilton Surpass Vs. Hilton Business Card Comparison

Hilton Surpass Vs. Hilton Business Card Comparison

4
In the interest of full disclosure, OMAAT earns a referral bonus for anyone that’s approved through some of the below links. The information and associated card details on this page for the Hilton Honors American Express Surpass® Card has been collected independently by OMAAT and has not been reviewed or provided by the card issuer. These are the best publicly available offers (terms apply) that we have found for each product or service. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, hotel chain, or product manufacturer/service provider, and have not been reviewed, approved or otherwise endorsed by any of these entities. Please check out our advertiser policy for further details about our partners, and thanks for your support!

Link: Apply now for the Hilton Honors American Express Business Card

American Express and Hilton have a suite of four co-branded credit cards. As you’d expect, each card targets a different market segment. In this post, I wanted to compare the mid-range personal and business products, because you really should consider one of these cards if you don’t have them already.

Comparing Hilton Surpass & Hilton Business

Amex and Hilton have two credit cards with identical annual fees:

Since one is a personal card and the other is a business card, in this post I wanted to look at how the two cards compare, given their identical annual fees. There are a surprising number of differences between the cards, given the identical annual fees.

Comparing Hilton Amex welcome bonuses

The welcome offers on the two cards are significantly different:

  • The Hilton Surpass Card has a welcome offer of 130,000 Hilton Honors points after spending $2,000 within the first three months
  • The Hilton Business Card is offering a bonus of 130,000 Hilton Honors points after spending $3,000 within the first three months

Personally I value Hilton Honors points at ~0.5 cents each, so I value 130,000 points at $650. In and of itself that’s a good bonus.

Redeem your Hilton Honors points at the Waldorf Astoria Jerusalem

Comparing Hilton Amex return on spending

Both Hilton Amex cards feature some useful bonus categories, and offer either 12x points, 9x points, or 3x points. The exact bonus categories differ, though.

The Hilton Surpass Amex offers:

The Hilton Business Amex offers:

  • 12x points per dollar spent with Hilton
  • 6x points per dollar spent at U.S. gas stations, on wireless phone services with U.S. service providers, on U.S. shipping purchases, at U.S. restaurants, on flights booked directly with airlines or with amextravel.com, and on car rentals booked directly from select car rental companies
  • 3x points per dollar spent on everything else

The personal card exclusively offers 6x points at U.S. supermarkets, while the business card exclusively offers 6x points on wireless phone services, shipping purchases, flights booked directly with airlines, and rental car spending.

Which bonus categories are better very much depend on your spending profile.

Both cards offer 6x points at U.S. restaurants

Comparing Hilton Honors status perks

Both the Hilton Surpass Card and Hilton Business Card are identical in terms of the opportunities to earn status:

Hilton Honors Gold & Diamond members receive complimentary breakfast

Comparing free night award certificates

Both the Hilton Surpass Card and Hilton Business Card offer a free night reward when you spend $15,000 on the card in a calendar year. However, the business version of the card exclusively offers a second free night reward if you spend a total of $60,000 on eligible purchases on the card in a calendar year.

This creates some nice spending thresholds on the business version of the card, since:

  • You get a free night award after $15,000 of spending
  • You get Diamond status after $40,000 of spending
  • You get another free night award after $60,000 of spending

The free night reward has just a small list of excluded properties.

Redeem your free night award at the Waldorf Astoria Los Cabos

Comparing Hilton Amex Priority Pass perks

Both Hilton Amex cards offer 10 free visits to Priority Pass lounges per year (enrollment required). Additional visits cost extra.

This is a nice entry-level Priority Pass benefit, though keep in mind that there are other great cards offering Priority Pass memberships with unlimited visits, including The Platinum Card® from American Express (review), the Chase Sapphire Reserve® Card (review), and the Capital One Venture X Rewards Credit Card (review), so I don’t personally value this benefit all that much.

Receive 10 free Priority Pass lounge visits with either of these cards

Hilton Amex no foreign transaction fees

Both the personal and business (Rates & Fees) versions of the Hilton Amex card have no foreign transaction fees, making them good cards for purchases abroad.

Use both cards with no foreign transaction fees

Hilton Amex approval odds

For those with excellent credit, I find both of these cards to be pretty easy to be approved for. The major restriction is that Amex limits you to five credit cards per person, though this excludes charge cards and hybrid cards (though it doesn’t matter if the cards are personal or business).

Assuming you’re within that limit, you have good odds of approval. One advantage of the Hilton Business Card is that applying for an Amex small business card generally won’t count toward your total as far as the Chase 5/24 rule is concerned, in the event that’s something you’re trying to stay under.

Bottom line

The Hilton Surpass Card and Hilton Business Card are largely similar, despite being branded differently — both cards have the same annual fee, and mostly comparable perks.

However, there are also some differences between the cards, including the welcome bonus spend requirement, the bonus categories for spending, and the ability to earn free night awards. If you’re trying to choose just one card, personally I think the business version of the card is the way to go.

Do you have either of these Hilton Amex cards, and if so, which do you prefer?

The following links will direct you to the rates and fees for mentioned American Express Cards. These include: The Hilton Honors American Express Business Card (Rates & Fees).

Conversations (4)
The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.
Type your response here.

If you'd like to participate in the discussion, please adhere to our commenting guidelines. Anyone can comment, and your email address will not be published. Register to save your unique username and earn special OMAAT reputation perks!

  1. Gregg G Guest

    I should have signed up last month for the first year at $0 annual fee. I was hoping for a free night with this new promotion. Have they ever given a free night? I think IHG has done that.

  2. Ivo Sio Guest

    You will get a free night cert by spending $15k in a calendar year anyway. I don't see what is the different between the old and "new" welcome offer. I/m happy with the old offer by spending $3k to get 130k points instead of new offer spend $5k and get 130k points.

    1. Ivo Sio Guest

      I'm talking about the business version, old VS new welcome offer.

    2. Ben Schlappig OMAAT

      @ Ivo Sio -- This is an additional free night award. So the first year you'd earn two free night awards if spending $15K, as one is for the welcome offer, and one is for the $15K spending.

Featured Comments Most helpful comments ( as chosen by the OMAAT community ).

The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.

Gregg G Guest

I should have signed up last month for the first year at $0 annual fee. I was hoping for a free night with this new promotion. Have they ever given a free night? I think IHG has done that.

0
Ben Schlappig OMAAT

@ Ivo Sio -- This is an additional free night award. So the first year you'd earn two free night awards if spending $15K, as one is for the welcome offer, and one is for the $15K spending.

0
Ivo Sio Guest

I'm talking about the business version, old VS new welcome offer.

0
Meet Ben Schlappig, OMAAT Founder
4,988,713 Miles Traveled

29,627,500 Words Written

32,815 Posts Published