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CardCurator — Rewards Intelligence
Quick Answer

The Capital One Venture X Business and Hilton Honors Surpass are closely matched. Capital One Venture X Business 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.

Card Comparison

Capital One Venture X Business vs Hilton Honors Surpass

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Capital One Venture X Business card art
Capital One
Capital One Venture X Business
Capital One
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Hilton Honors Surpass card art
Hilton Honors
Hilton Honors Surpass
American Express
More Info
Annual Fee
$395/yr
$150/yr
Foreign Fees
None
None
Signup Bonus
200,000 points
Spend $30,000 in 3 months
was 150k pts
130,000 points
Spend $3,000 in 6 months
was 130k pts
Top Earn Rates
  • Hotels (Capital One Travel) 10x
  • Rental Cars (Capital One Travel) 10x
  • Flights (Capital One Travel) 5x
  • hotels and resorts within the Hilton portfolio 12x
  • Dining At U.S. restaurants, including takeout and delivery, 6x
  • Groceries At U.S. supermarkets 6x
Reward Type
miles
miles
Pts Value
~1.10¢/pt points · industry est.
~0.50¢/pt points · industry est.
Key Credits
  • Annual Travel Credit $300
  • Hilton Credit $50
Card Perks
  • Capital One Lounge Access
  • Priority Pass Select
  • 10,000 Anniversary Bonus Miles
  • +1 more
  • Hilton Honors Gold Status
Spend Milestones
  • 10,000 Anniversary Bonus Miles
    After $12 spend
  • Free Night Award
    After $15,000 spend
Transfer Partners
  • British Airways Executive Club
  • JAL Mileage Bank
  • Qatar Avios
  • I Prefer Hotel Rewards
  • Flying Blue
  • +15 more
No transfer partners
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Common Questions: Capital One Venture X Business vs Hilton Honors Surpass

Is the Capital One Venture X Business or Hilton Honors Surpass better for dining?

Capital One Venture X Business has no dining bonus; Hilton Honors Surpass earns 6x on dining.

Which has the higher signup bonus in 2026?

Capital One Venture X Business currently offers 200,000 pts signup bonus (spend $30,000 in 3 months). Hilton Honors Surpass offers 130,000 pts signup bonus (spend $3,000 in 6 months). Capital One Venture X Business 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 Capital One Venture X Business 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. Capital One Venture X Business is from Capital One and Hilton Honors Surpass is from American Express, so they're governed by separate bank policies.