The Chase Ink Business Unlimited and Hilton Honors Surpass are closely matched. Chase Ink Business Unlimited wins on 2 categories (75,000 pts signup bonus); Hilton Honors Surpass wins on 2 (130,000 pts signup bonus). The better pick depends on your spending patterns.
Chase Ink Business Unlimited vs Hilton Honors Surpass
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
- All Purchases 1.5x
- hotels and resorts within the Hilton portfolio 12x
- Dining At U.S. restaurants, including takeout and delivery, 6x
- Groceries At U.S. supermarkets 6x
- Instacart Business $20
- Hilton Credit $50
- Hilton Honors Gold Status
- Free Night AwardAfter $15,000 spend
- Virgin Atlantic Flying Club
- Aer Lingus AerClub
- Air Canada Aeroplan
- British Airways Executive Club
- Flying Blue
- +9 more
Common Questions: Chase Ink Business Unlimited vs Hilton Honors Surpass
Is the Chase Ink Business Unlimited or Hilton Honors Surpass better for dining?
Chase Ink Business Unlimited has no dining bonus; Hilton Honors Surpass earns 6x on dining.
Which has the higher signup bonus in 2026?
Chase Ink Business Unlimited currently offers 75,000 pts signup bonus (spend $6,000 in 3 months). Hilton Honors Surpass offers 130,000 pts signup bonus (spend $3,000 in 6 months). Chase Ink Business Unlimited 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 Unlimited 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 Unlimited is from Chase and Hilton Honors Surpass is from American Express, so they're governed by separate bank policies.