Card comparisonSide by side
American Express® Business Gold Card vs Hilton Honors Surpass Card
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
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How to read missing comparison values
- A dash (—) means that value is not currently available for that card.
- Coverage labels like 2/4 cards show how many selected cards have that metric populated.
- Card Type, Card Tier, Rating, and Reward Program are editorial labels and may still be pending enrichment.
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| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | American Express | American Express |
Card Network | ||
Card Type Data: 2/2 cards | business | travel |
Card Tier Data: 2/2 cards | Premium | Mid Tier |
Credit Score | — | Good(700-749) |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $375 | $150 |
Foreign Transaction Fee | None | None |
Purchase APR | 17.74% – 28.49% | 19.99% – 29.99% |
Intro APR | — | 0% for 6 months |
| Rewards | ||
Welcome Bonus | Earn 200,000 points | Earn 130,000 points |
Bonus Value | $2,000 | $1,300 |
Reward Rate Data: 2/2 cards | 4x pts on top 2 eligible categories each billing cycle: u.s. media advertising providers; u.s. electronic goods retailers and software and cloud system providers; u.s. restaurants; u.s. gas stations; transit; and monthly u.s. wireless telephone service charges | 14x pts on hilton hotels and resorts |
Reward Program Data: 2/2 cards | Membership Rewards | Hilton Honors |
| Earning Rates | ||
| All other eligible purchases | 1x pts | — |
| Flights and prepaid hotels booked on AmexTravel.com | 3x pts | — |
| Hilton hotels and resorts | — | 14x pts |
| Top 2 eligible categories each billing cycle: U.S. media advertising providers; U.S. electronic goods retailers and software and cloud system providers; U.S. restaurants; U.S. gas stations; transit; and monthly U.S. wireless telephone service charges | 4x ptsEarned on the first $150,000 in combined eligible-category purchases each calendar year; 1X thereafter. Only the two categories in which the business spends the most each billing cycle qualify. | — |
| Benefits | ||
Key Benefits |
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