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CardCurator — Rewards Intelligence
Card Comparison

Chase Sapphire Reserve Business vs Hilton Honors Surpass

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

Chase Sapphire Reserve Business card art
Chase Ultimate Rewards
Chase Sapphire Reserve Business
Chase
More Info
Hilton Honors Surpass card art
Hilton Honors
Hilton Honors Surpass
American Express
More Info
Annual Fee
$795/yr
$150/yr
Foreign Fees
None
None
Signup Bonus
200,000 points
Spend $30,000 in 6 months
130,000 points
Spend $3,000 in 6 months
Top Earn Rates
  • Chase Travel (including The Edit) 8x
  • Lyft rides 5x
  • flights & hotels booked direct 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
Reward Type
miles
miles
Key Credits
  • Annual Travel Credit $300
  • Stays with the Edit $250
  • Priority Pass Select Membership $429
  • +1 more
  • Hilton Credit $50
Card Perks
  • Chase Sapphire Lounge (~$200/yr)
  • 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 Sapphire Reserve Business vs Hilton Honors Surpass

Is the Chase Sapphire Reserve Business or Hilton Honors Surpass better for dining?

Chase Sapphire Reserve Business has no dining bonus; Hilton Honors Surpass earns 6x on dining.

Which has the higher signup bonus in 2026?

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