The Hilton Honors Surpass edges out the Southwest Performance Business for most cardholders — it wins on 3 of 4 comparison categories and offers 130,000 pts signup bonus earns more (up to 12x vs 4x). The Southwest Performance Business is the better choice if you prioritize a different rewards ecosystem.
Hilton Honors Surpass vs Southwest Performance Business
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
- hotels and resorts within the Hilton portfolio 12x
- Dining At U.S. restaurants, including takeout and delivery, 6x
- Groceries At U.S. supermarkets 6x
- Southwest Airlines 4x
- Rapid Rewards Hotel and Car Rental Partners 3x
- Social Media and Search Engine Advertising, Internet, Cable and Phone Services 2x
- Hilton Credit $50
- WiFi Credit $8
- Global Entry / TSA PreCheck $100
- Hilton Honors Gold Status
- Four Upgraded Boardings Per Year
- In-Flight WiFi Credits
- 1,500 Tier Qualifying Points
- +1 more
- Free Night AwardAfter $15,000 spend
- 1,500 Tier Qualifying Points toward A-List statusAfter $10,000 spend
Common Questions: Hilton Honors Surpass vs Southwest Performance Business
Is the Hilton Honors Surpass or Southwest Performance Business better for dining?
Hilton Honors Surpass earns 6x on dining; Southwest Performance Business has no dining bonus.
Which has the higher signup bonus in 2026?
Hilton Honors Surpass currently offers 130,000 pts signup bonus (spend $3,000 in 6 months). Southwest Performance Business offers 80,000 pts signup bonus (spend $5,000 in 3 months). Hilton Honors Surpass 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 Hilton Honors Surpass and the Southwest Performance Business?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Hilton Honors Surpass is from American Express and Southwest Performance Business is from Chase, so they're governed by separate bank policies.