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Hilton Honors Surpass Card vs Ink Business Preferred® Credit Card
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
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- 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 | Chase |
Card Network | ||
Card Type Data: 2/2 cards | travel | business |
Card Tier Data: 2/2 cards | Mid Tier | Mid Tier |
Credit Score | Good(700-749) | Excellent(750+) |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $150 | $95 |
Foreign Transaction Fee | None | None |
Purchase APR | 19.99% – 29.99% | 17.74% – 26.74% |
Intro APR | 0% for 6 months | — |
| Rewards | ||
Welcome Bonus | Earn 130,000 points | Earn 100,000 points |
Bonus Value | $1,300 | $1,000 |
Reward Rate Data: 2/2 cards | 14x pts on hilton hotels and resorts | 5x pts on lyft rides |
Reward Program Data: 2/2 cards | Hilton Honors | Chase Ultimate Rewards® |
| Earning Rates | ||
| Advertising purchases made with social media sites and search engines | — | 3x ptsOn the first $150,000 spent in combined purchases across 3X categories each account anniversary year |
| All other purchases | — | 1x ptsNo limit to the amount you can earn |
| Hilton hotels and resorts | 14x pts | — |
| Internet, cable and phone services | — | 3x ptsOn the first $150,000 spent in combined purchases across 3X categories each account anniversary year |
| Lyft rides | — | 5x ptsThrough September 30, 2027 |
| Shipping purchases | — | 3x ptsOn the first $150,000 spent in combined purchases across 3X categories each account anniversary year |
| Travel | — | 3x ptsOn the first $150,000 spent in combined purchases across 3X categories each account anniversary year |
| Benefits | ||
Key Benefits |
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