Hilton Honors American Express Surpass Card vs. Ink Business Unlimited Credit Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Hilton Honors American Express Surpass Card
Amex
Ink Business Unlimited Credit Card
Chase
Hilton Honors American Express Surpass Card and Ink Business Unlimited Credit Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Hilton Honors American Express Surpass Card wins on earning ceiling and foreign transactions; Ink Business Unlimited Credit Card wins on first-year math and annual fee.
Pick the Ink Business Unlimited Credit Card if year-one math is your priority; take the Ink Business Unlimited Credit Card if you want a cheaper card to keep long-term.
Who wins what
2 vs 2- First-year math Ink Business Unlimited Credit Card
Ink Business Unlimited Credit Card wins on bonus value minus annual fee.
- Annual fee Ink Business Unlimited Credit Card
Ink Business Unlimited Credit Card is $150 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×).
- Foreign transactions Hilton Honors American Express Surpass Card
Hilton Honors American Express Surpass Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- $150
- Free
- Welcome offer (typical value)
- $650
- $750
- First-year net
- +$500
- +$750
- Peak earning rate
- 12×
- 5×
- Top categories
- Hotels Resorts, Dining, U.S. Supermarkets
- Lyft
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- Yes
- No
- Foreign transaction fee
- None
- 3.00%
- 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.