Hilton Honors American Express Surpass® vs. American Express® Business Gold 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® Business Gold Card
American Express
4.4
4x on top 2 spending categories. 100,000-point bonus.
Full review →WealthSpott Verdict
Hilton Honors American Express Surpass® and American Express® Business Gold Card are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.
Feature
Hilton Honors American
American Express® Business
Annual Fee
$150/yr Best
$375/yr
Sign-up Bonus
130,000 points
100,000 points
Rewards Rate
3x-12x
1x-4x
Rewards Type
Points
Points
0% Intro APR
N/A
N/A
Regular APR
22.49%-29.49% Variable
19.49%-27.49% Variable Best
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
670-850
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® Business Gold Card
Pros
- 4x on top two business spending categories
- Points transfer to 20+ airline/hotel partners
- 100,000-point sign-up bonus
Cons
- $375 annual fee
- $150k annual cap on 4x categories
- $10,000 minimum spend for bonus
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