The Hilton Honors Surpass edges out the Southwest Premier 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 3x). The Southwest Premier Business is the better choice if you want no or lower annual fee.
Hilton Honors Surpass vs Southwest Premier 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 Purchases 3x
- Rapid Rewards Hotel and Car Rental Partners 2x
- All Other Purchases 1x
- Hilton Credit $50
- Hilton Honors Gold Status
- Free Night AwardAfter $15,000 spend
- 2,000 Tier Qualifying Points toward A-List statusAfter $5,000 spend
Common Questions: Hilton Honors Surpass vs Southwest Premier Business
Is the Hilton Honors Surpass or Southwest Premier Business better for dining?
Hilton Honors Surpass earns 6x on dining; Southwest Premier 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 Premier Business offers 60,000 pts signup bonus (spend $3,000 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 Premier 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 Premier Business is from Chase, so they're governed by separate bank policies.