Hilton Honors American Express Surpass® Card vs Marriott Bonvoy Business® American Express® Card

This comparison aims to help you decide between the Hilton Honors American Express Surpass® Card and the Marriott Bonvoy Business® American Express® Card. Both cards are designed for travelers who prefer specific hotel brands, and they offer various rewards and benefits tailored to their respective loyalty programs.

Card Overviews

Hilton Honors American Express Surpass® Card

The Hilton Honors American Express Surpass® Card is ideal for frequent travelers who prefer Hilton properties. It offers a generous welcome bonus, robust earning potential on hotel stays, and complimentary elite status, making it a great choice for Hilton loyalists.

Marriott Bonvoy Business® American Express® Card

The Marriott Bonvoy Business® American Express® Card is crafted for those who frequently stay at Marriott hotels. With an enticing welcome offer and rewards that cater specifically to Marriott Bonvoy members, this card is perfect for business travelers and Marriott enthusiasts.

Detailed Feature Comparison

Rewards Highlights

Marriott Bonvoy Business® American Express® Card Rewards

• 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
• 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping.
• 2x points on all other eligible purchases.

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, supermarkets, and 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.

Pros and Cons

Hilton Honors American Express Surpass® Card

• Pros:
  • High earning potential on Hilton stays.
  • Generous welcome bonus.
  • Complimentary Gold Status.
  • No foreign transaction fees.
• Cons:
  • Higher annual fee compared to some competitors.
  • Limited to Hilton's hotel portfolio for maximum benefits.

Marriott Bonvoy Business® American Express® Card

• Pros:
  • Attractive welcome offer with multiple free nights.
  • Lower annual fee than Hilton's card.
  • Access to Marriott Gold Elite Status.
  • Discount on eligible bookings.
• Cons:
  • Lower point earning rates on non-Marriott purchases.
  • More restrictions on free night awards.

Who Should Consider Which Card?

If you frequently stay at Hilton properties and want to maximize your rewards through hotel stays and dining, the Hilton Honors American Express Surpass® Card is an excellent choice. On the other hand, if you prefer Marriott hotels and value benefits like free nights and discounts, the Marriott Bonvoy Business® American Express® Card is likely more suitable for you.

Conclusion

Both the Hilton Honors American Express Surpass® Card and the Marriott Bonvoy Business® American Express® Card offer valuable benefits for hotel loyalty program members. Consider your travel habits, spending patterns, and the hotel chains you prefer to determine which card aligns best with your financial goals and lifestyle.

“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.”