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American Express Blue Business Cash vs American Express Hilton Honors Surpass

Option A

American Express Blue Business Cash

American Express · No annual fee

Option B

American Express Hilton Honors Surpass

American Express · $150/yr ($0 first year)

SpecAmerican ExpressAmerican Express
Annual feeNo annual fee$150/yr ($0 first year)
Welcome bonus$250 bonus130,000 points bonus
Base rate2%3x
Top earn rates
  • 1% all purchases
  • 12x Hilton hotels and resorts
  • 6x U.S. restaurants, U.S. gas stations, U.S. supermarkets
  • 4x U.S. online retail
Foreign tx fee2.7%None
Statement creditsNoneNone
RewardsCash backHilton Honors