Hilton Honors American Express Surpass Card vs. Ink Business Premier Credit Card
On the criteria below, Hilton Honors American Express Surpass Card wins 2 of 3. The verdict depends on which criteria matter to you.
Hilton Honors American Express Surpass Card
Amex
Ink Business Premier Credit Card
Chase
Hilton Honors American Express Surpass Card wins 2 of 3 criteria here, making it the stronger all-rounder.
Hilton Honors American Express Surpass Card wins on annual fee and earning ceiling; Ink Business Premier Credit Card wins on first-year math.
Pick the Ink Business Premier Credit Card if year-one math is your priority; take the Hilton Honors American Express Surpass Card if you want a cheaper card to keep long-term.
Who wins what
2 vs 1- First-year math Ink Business Premier Credit Card
Ink Business Premier Credit Card wins on bonus value minus annual fee.
- Annual fee Hilton Honors American Express Surpass Card
Hilton Honors American Express Surpass Card is $45 cheaper to keep.
- Earning ceiling Hilton Honors American Express Surpass Card
Hilton Honors American Express Surpass Card earns more on its best category (12× vs 5×).
By the numbers
- Annual fee
- $150
- $195
- Welcome offer (typical value)
- $650
- $1,000
- First-year net
- +$500
- +$805
- Peak earning rate
- 12×
- 5×
- Top categories
- Hotels Resorts, Dining, U.S. Supermarkets
- Chase Travel, Large Purchases, Lyft
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- Yes
- No
- Foreign transaction fee
- None
- None
- Reward currency
- Hilton Honors
- Chase Ultimate Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.