Editorial take: Hilton Honors Surpass
The sweet spot in the Hilton lineup. Gold status gets you free breakfast worth $30-50 per stay, and the free weekend night after spend typically covers a $300+ stay.
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Side-by-side
Hilton Honors Surpass vs Marriott Bonvoy Business American Express Card
Both are hotel travel cards. The Hilton Honors Surpass comes from American Express at $150/yr; the Marriott Bonvoy Business American Express Card from American Express at $125/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
Both cards come from American Express and target hotel spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The Hilton Honors Surpass costs $25 more per year, only worth it if you'll actually use the upgraded perks.
| Feature | Hilton Honors Surpass | Marriott Bonvoy Business American Express Card |
|---|---|---|
| Annual fee | $150 | $125 |
| Sign-up bonus | 130,000 Hilton Honors Bonus Points | 150,000 points + $125 statement credit |
| Bonus value (est.) | - | $1,800 |
| Min spend to unlock bonus | $3,000 in 6 mo | $8,000 in 6 mo |
| Issuer | American Express | American Express |
| Card category | hotel | hotel |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
Hilton Honors Surpass
$150/yr · 130,000 Hilton Honors Bonus Points
Read the full review
Marriott Bonvoy Business American Express Card
$125/yr · 150,000 points + $125 statement credit
Editorial take: Marriott Bonvoy Business American Express Card
The Marriott business card pulls its weight on the annual Free Night cert alone, a 35k cat-property is routinely $250-400/night cash. Add 15 elite night credits and the dining stipend and the $125 fee is easy.
Common questions
- Which card has the bigger sign-up bonus, Hilton Honors Surpass or Marriott Bonvoy Business American Express Card?
- The Marriott Bonvoy Business American Express Card has a public bonus (150,000 points + $125 statement credit, worth roughly $1,800), while the Hilton Honors Surpass doesn't advertise one right now.
- Is the Hilton Honors Surpass's $150 annual fee worth it compared to the Marriott Bonvoy Business American Express Card?
- At $150/yr, the Hilton Honors Surpass is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Marriott Bonvoy Business American Express Card's, pick the one whose perks you'll actually use.
- Can I have both the Hilton Honors Surpass and Marriott Bonvoy Business American Express Card?
- 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 Hilton Honors Surpass or the Marriott Bonvoy Business American Express Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Hilton Honors Surpass: $3,000 spend in 6 months. Marriott Bonvoy Business American Express Card: $8,000 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.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.