The Hilton Honors Surpass edges out the U.S Bank Business Leverage for most cardholders — it wins on 3 of 4 comparison categories and offers 130,000 pts signup bonus earns more (up to 12x vs 5x). The U.S Bank Business Leverage is the better choice if you want no or lower annual fee.
Hilton Honors Surpass vs U.S Bank Business Leverage
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
- U.S. Bank Travel Center 5x
- Top 2 Spending Categories (Automatic) 2x
- All Other Purchases 1x
- Hilton Credit $50
- Hilton Honors Gold Status
- Free Night AwardAfter $15,000 spend
Common Questions: Hilton Honors Surpass vs U.S Bank Business Leverage
Is the Hilton Honors Surpass or U.S Bank Business Leverage better for dining?
Hilton Honors Surpass earns 6x on dining; U.S Bank Business Leverage 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). U.S Bank Business Leverage offers $750 signup bonus (spend $7,500 in 4 months). Hilton Honors Surpass has the larger bonus.
Which card is better for international travel?
Hilton Honors Surpass charges no foreign transaction fees — the better pick for international use. U.S Bank Business Leverage charges 3% on foreign purchases.
Can I hold both the Hilton Honors Surpass and the U.S Bank Business Leverage?
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 U.S Bank Business Leverage is from U.S. Bank, so they're governed by separate bank policies.