Hilton Honors American Express Surpass® Card vs Ink Business Premier® Credit Card

This comparison aims to help users decide between the Hilton Honors American Express Surpass® Card and the Ink Business Premier® Credit Card. Both cards offer unique benefits and are tailored for different audiences, making it essential to evaluate their features closely.

Card Overviews

Hilton Honors American Express Surpass® Card

The Hilton Honors American Express Surpass® Card is designed for travelers who frequently stay at Hilton properties. It offers a robust rewards program centered around Hilton Honors points, along with travel benefits and complimentary status upgrades.

Ink Business Premier® Credit Card

The Ink Business Premier® Credit Card targets business owners looking for cashback rewards on their purchases. This card features a straightforward cashback structure and various protections beneficial for business expenses and travel.

Detailed Feature Comparison

Rewards Highlights

Hilton Honors American Express Surpass® Card Rewards

• Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
• Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
• Earn 4X Points for each dollar on U.S. Online Retail Purchases.
• Earn 3X Points for all other eligible purchases on your Card.

Ink Business Premier® Credit Card Rewards

• Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
• Unlimited 5% total cash back on travel purchased through Chase Travel℠.
• Unlimited 2.5% total cash back on purchases of $5,000 or more.
• Unlimited 2% cash back on all other business purchases.

Pros and Cons

Hilton Honors American Express Surpass® Card Pros

• Generous rewards for Hilton stays.
• Complimentary Gold Status enhances benefits at Hilton properties.
• No foreign transaction fees.
• Attractive welcome bonus.

Hilton Honors American Express Surpass® Card Cons

• Annual fee of $150.
• Best for those who frequently stay at Hilton properties.

Ink Business Premier® Credit Card Pros

• High cashback rates on large purchases.
• No foreign transaction fees.
• Versatile rewards structure for various business expenses.
• Built-in protections for business purchases.

Ink Business Premier® Credit Card Cons

• Higher annual fee of $195.
• Requires significant spending to unlock the bonus cash back.

Who Should Consider Which Card?

Hilton Honors American Express Surpass® Card

This card is ideal for frequent travelers who often stay at Hilton hotels and can take advantage of the rewards and status perks associated with Hilton Honors.

Ink Business Premier® Credit Card

This card is well-suited for business owners looking for a straightforward cashback rewards program and who make larger purchases regularly, benefiting from the higher cashback rates.

Conclusion

When choosing between the Hilton Honors American Express Surpass® Card and the Ink Business Premier® Credit Card, consider your individual needs and spending patterns. Whether you prioritize hotel rewards or cashback on business expenses, each card has unique features that cater to different financial goals.

“Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.”