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You can apply for a business card.

There are four co- branded credit cards from American Express and the hotel chain. Each card has a target market segment. If you don't already have a business card, you should consider one if you do.

Comparing Hilton Surpass & Hilton Business

There are two credit cards with the same annual fee.

I wanted to compare the two cards since one is a personal card and the other is a business card. There are a lot of differences between the cards.

Comparing Hilton Amex welcome bonuses

There are different welcome offers on the cards.

  • 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 $5,000 within the first three months, plus a Hilton Honors free night award after spending $10,000 within the first six months; this is a limited time offer valid through Wednesday, December 21, 2022

130,000 points are worth 0.5 cents each and I value them at $650. That is a great bonus. The ability to earn a free night award as part of the bonus is what makes the business card different.

The most valuable hotel free night awards out there are theHiltonHonors free night awards, which can be used any day of the week for stays at properties costing up to 150,000HiltonHonors points are the most valuable hotel free night awards, which can be used any day of the week for

Redeem your Hilton Honors points at the Waldorf Astoria Jerusalem

Comparing Hilton Amex return on spending

12x points, 9x points, or 3x points are available on the Hilton Amex cards. There are different bonus categories.

The Amex can be used by the Hilton surpass.

The business card of the hotelier

  • 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, and on car rentals booked directly from select car rental companies
  • 3x points per dollar spent on everything else

The personal card only offers 6x points at U.S. supermarkets, while the business card only offers 6x points on

Depending on your spending profile, the bonus categories are more or less the same.

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

Comparing Hilton Honors status perks

The opportunities to earn status are the same for both the business card and the surpass card.

Hilton Honors Gold & Diamond members receive complimentary breakfast

Comparing free night award certificates

There is a limited time welcome offer on the business version of the card.

You can get a free night when you spend $15,000 on the business card. If you spend $60,000 on eligible purchases on the card in a year, you'll get a second free night reward.

The business version of the card has nice spending thresholds.

  • 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

There is a small list of excluded properties.

Redeem your free night award at the Waldorf Astoria Los Cabos

Comparing Hilton Amex Priority Pass perks

10 free visits to the Priority Pass lounges are offered by both the Hilton Amex card and the American Express card. It costs extra to visit additional times.

There are other great cards that offer Priority Pass memberships with unlimited visits, such as The Platinum Card from American Express, and the Capital One Venture X rewards credit.

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

Hilton Amex no foreign transaction fees

The personal and business versions of the Amex card have no foreign transaction fees, making them good cards for purchases outside of the US.

Use both cards with no foreign transaction fees

Hilton Amex approval odds

Both of these cards are easy to approve for those with good credit. Amex restricts you to five credit cards per person, though it doesn't matter if the cards are personal or business.

You have a good chance of approval if you're within that limit. If you apply for an Amex small business card, it won't count towards your total as long as you don't try to stay under the Chase 5/24 rule.

Both of the cards have the same annual fee and perks, despite being different.

There are some significant differences between the cards, including the ability to earn free night awards and the welcome bonuses. I think the business version of the card is the best option if you want to choose just one card.

Which one do you prefer, the Hilton Amex card or the other?

The rates and fees can be found in the links. The American Express business card is included.