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CardCurator — Rewards Intelligence
Quick Answer

The Chase Ink Business Premier and Hilton Honors Surpass are closely matched. Chase Ink Business Premier wins on 2 categories (100,000 pts signup bonus); Hilton Honors Surpass wins on 2 (130,000 pts signup bonus). The better pick depends on your spending patterns.

Card Comparison

Chase Ink Business Premier vs Hilton Honors Surpass

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

Chase Ink Business Premier card art
Chase Ultimate Rewards
Chase Ink Business Premier
Chase
More Info
Hilton Honors Surpass card art
Hilton Honors
Hilton Honors Surpass
American Express
More Info
Annual Fee
$195/yr
$150/yr
Foreign Fees
None
None
Signup Bonus
100,000 points
Spend $10,000 in 3 months
130,000 points
Spend $3,000 in 6 months
was 130k pts
Top Earn Rates
  • Travel 3x
  • Shipping 3x
  • Advertising 3x
  • 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
~1.50¢/pt points · industry est.
~0.50¢/pt points · industry est.
Key Credits
  • Annual Chase Travel Credit $100
  • Hilton Credit $50
Card Perks
None listed
  • Hilton Honors Gold Status
Spend Milestones
No milestones
  • Free Night Award
    After $15,000 spend
Transfer Partners
  • Virgin Atlantic Flying Club
  • Aer Lingus AerClub
  • Air Canada Aeroplan
  • British Airways Executive Club
  • Flying Blue
  • +9 more
No transfer partners
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Common Questions: Chase Ink Business Premier vs Hilton Honors Surpass

Is the Chase Ink Business Premier or Hilton Honors Surpass better for dining?

Chase Ink Business Premier earns 2x on dining; Hilton Honors Surpass earns 6x on dining. Hilton Honors Surpass wins for dining.

Which has the higher signup bonus in 2026?

Chase Ink Business Premier currently offers 100,000 pts signup bonus (spend $10,000 in 3 months). Hilton Honors Surpass offers 130,000 pts signup bonus (spend $3,000 in 6 months). Chase Ink Business Premier 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 Chase Ink Business Premier 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. Chase Ink Business Premier is from Chase and Hilton Honors Surpass is from American Express, so they're governed by separate bank policies.