Delta SkyMiles Blue Business American Express Card vs Hilton Honors Surpass

Common questions

Which card has the bigger sign-up bonus, Delta SkyMiles Blue Business American Express Card or Hilton Honors Surpass?

The Delta SkyMiles Blue Business American Express Card has a public bonus (10,000 Delta SkyMiles, worth roughly $110), while the Hilton Honors Surpass doesn't advertise one right now.

Is the Delta SkyMiles Blue Business American Express Card's $0 annual fee worth it compared to the Hilton Honors Surpass?

The Delta SkyMiles Blue Business American Express Card has no annual fee, so the question is whether the Hilton Honors Surpass's $150 fee is justified by its perks. If you'll use enough of the Hilton Honors Surpass's benefits to clear $150 in value annually, it's worth it; otherwise stick with the Delta SkyMiles Blue Business American Express Card.

Can I have both the Delta SkyMiles Blue Business American Express Card and Hilton Honors Surpass?

Yes, though both are issued by American Express so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.

Should I get the Delta SkyMiles Blue Business American Express Card or the Hilton Honors Surpass first?

Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Blue Business American Express Card: $1,000 spend in 6 months. Hilton Honors Surpass: $3,000 in 6 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.