Hilton Honors American Express Surpass® vs. American Express Blue Business Cash Card
Side-by-side comparison · Updated 2026 · Independently reviewed
Hilton Honors American Express Surpass®
American Express
4.3
130,000 bonus points. 12x at Hilton. 6x at restaurants, supermarkets, gas.
Full review →American Express Blue Business Cash Card
American Express
4.7
Simple 2% cash back on all purchases up to $50k/year. No annual fee.
Full review →WealthSpott Verdict
American Express Blue Business Cash Card wins on more measurable categories — particularly annual cost. Hilton Honors American Express Surpass® may still win for your wallet depending on your spending patterns.
Feature
Hilton Honors American
American Express Blue
Annual Fee
$150/yr
$0 Best
Sign-up Bonus
130,000 points
$250 statement credit after $3k spend in 3 months
Rewards Rate
3x-12x
2% on first $50k then 1%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
None
Regular APR
22.49%-29.49% Variable
18.49%-26.49% Best
Foreign Transaction Fee
None
—
Recommended Credit Score
670-850
670+
Hilton Honors American Express Surpass®
Pros
- 12x points at Hilton properties
- 6x at restaurants, supermarkets, and gas
- Automatic Hilton Gold status
- Free weekend night after $15k annual spend
Cons
- $150 annual fee
- Hilton points worth less per point than rivals
- Free night requires $15k spend to unlock
American Express Blue Business Cash Card
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