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Comparison of Hilton Honors American Express Surpass® Card vs The Business Platinum Card® from American Express
This comparison aims to help potential cardholders decide between the Hilton Honors American Express Surpass® Card and The Business Platinum Card® from American Express. Each card offers unique benefits and rewards tailored to different types of users. Let’s explore their features in detail.
Card Overviews
Hilton Honors American Express Surpass® Card
The Hilton Honors American Express Surpass® Card is designed for travelers who frequently stay at Hilton properties. With a focus on hotel rewards, it provides significant benefits for earning Hilton Honors points and offers complimentary Hilton Honors Gold Status. This card is ideal for those who want to maximize their stays at Hilton hotels.
The Business Platinum Card® from American Express
The Business Platinum Card® from American Express is tailored for business owners who travel frequently. It offers extensive rewards on travel-related purchases, access to airport lounges, and valuable statement credits for various business expenses. This card is perfect for entrepreneurs looking to enhance their travel experience and earn substantial rewards on business spending.
Detailed Feature Comparison
| Feature | Hilton Honors American Express Surpass® Card | The Business Platinum Card® from American Express |
|---|---|---|
| Annual Fee | $150 | $695 |
| Welcome Bonus | Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases in the first 6 months. | Earn 150,000 Membership Rewards® points and a $500 statement credit after you spend $20,000 on eligible purchases in the first 3 months. |
| Rewards Structure | 12X Points at Hilton, 6X at U.S. restaurants, supermarkets, gas stations, 4X at U.S. online retailers, 3X on other purchases. | 5X points on flights, prepaid hotels, and short-term rentals booked at AmexTravel.com; 1.5X on eligible purchases at select merchants; 1X on other purchases. |
| Foreign Transaction Fee | None | None |
| Other Fees | None specified | None specified |
| Additional Benefits | Complimentary Hilton Honors Gold Status, Free Night Reward after $15,000 spending, statement credits for Hilton purchases. | Access to 1,400+ airport lounges, $200 Airline Fee Credit, $199 CLEAR® Plus Credit, and more. |
Rewards Highlights
- Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- Earn 1X points on other eligible purchases.
- Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
- Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 4X Points for each dollar on U.S. Online Retail Purchases.
- Earn 3X Points for all other eligible purchases on your Card.
Pros and Cons
Hilton Honors American Express Surpass® Card
- Pros:
- Strong rewards for Hilton stays.
- Complimentary Hilton Honors Gold Status.
- Annual statement credits for Hilton purchases.
- No foreign transaction fees.
- Lower annual fee compared to premium cards.
- Cons:
- Limited to Hilton properties for maximum rewards.
- Annual fee still applies.
The Business Platinum Card® from American Express
- Pros:
- High earning potential on travel and business-related expenses.
- Access to a wide range of airport lounges.
- Multiple statement credits for various expenses.
- Comprehensive travel benefits.
- Cons:
- High annual fee.
- Requires a significant spend to maximize welcome bonus.
Who Should Consider Which Card?
- The Hilton Honors American Express Surpass® Card is ideal for frequent travelers who prefer staying at Hilton properties and want to maximize their hotel rewards.
- The Business Platinum Card® from American Express is better suited for business owners who travel frequently and seek extensive travel benefits along with robust rewards on business expenditures.
Conclusion
In summary, both the Hilton Honors American Express Surpass® Card and The Business Platinum Card® from American Express offer unique benefits tailored to different users. Consider your travel habits, spending patterns, and preferences when choosing the card that best fits your lifestyle and financial goals.