The American Express Business Gold Card and Hilton Honors Surpass are closely matched. American Express Business Gold Card wins on 2 categories (200,000 pts signup bonus); Hilton Honors Surpass wins on 2 (130,000 pts signup bonus). The better pick depends on your spending patterns.
American Express Business Gold Card vs Hilton Honors Surpass
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
- Electronics & Technology 4x
- U.S. Advertising (Social Media, Search Engines) 4x
- U.S. Shipping 4x
- hotels and resorts within the Hilton portfolio 12x
- Dining At U.S. restaurants, including takeout and delivery, 6x
- Groceries At U.S. supermarkets 6x
- Walmart+ Membership $12.95
- Flexible Business Credit $20
- SquareSpace.com $150
- +1 more
- Hilton Credit $50
- The Hotel Collection Access
- Baggage Insurance Plan
- Hilton Honors Gold Status
- Free Night AwardAfter $15,000 spend
- Flying Blue
- Delta SkyMiles
- JetBlue TrueBlue
- Qatar Avios
- Virgin Atlantic Flying Club
- +13 more
Common Questions: American Express Business Gold Card vs Hilton Honors Surpass
Is the American Express Business Gold Card or Hilton Honors Surpass better for dining?
American Express Business Gold Card has no dining bonus; Hilton Honors Surpass earns 6x on dining.
Which has the higher signup bonus in 2026?
American Express Business Gold Card currently offers 200,000 pts signup bonus (spend $15,000 in 3 months). Hilton Honors Surpass offers 130,000 pts signup bonus (spend $3,000 in 6 months). American Express Business Gold Card has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the American Express Business Gold Card and the Hilton Honors Surpass?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from American Express, so check their specific application rules.