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COMPARE/AMEX BUSINESS GOLD VS HILTON HONORS AMERICAN EXPRESS SURPASS CARD
FIRST CARD
SECOND CARD

American Express Business Gold or Hilton Honors American Express Surpass Card?

American Express Business Gold returns $470 over its fee and Hilton Honors American Express Surpass Card returns $50, so the fee difference comes down to which categories you use.

American Express Business Gold
American Express Business GoldAmerican Express · $375 fee · 4 credits
Hilton Honors American Express Surpass Card
Hilton Honors American Express Surpass CardAmerican Express · $150 fee · 1 credits
NET VALUE+$470$845 credits
NET VALUE+$50$200 credits
BEST NET VALUE
American Express Business Gold
AMERICAN EXPRESSAmerican Express Business Gold
FEE$375
CREDITS$845
NET+$470
Category wins3 of 4
Hilton Honors American Express Surpass Card
AMERICAN EXPRESSHilton Honors American Express Surpass Card
FEE$150
CREDITS$200
NET+$50
Category wins1 of 4
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
Hilton Surpass Free Night
TAKE THE AMEX BUSINESS GOLD IF

You use business, food & dining, lifestyle. Business and Food & Dining and Lifestyle alone are worth $1,085 here and nothing on the Hilton Honors American Express Surpass Card.

TAKE THE HILTON HONORS AMERICAN EXPRESS SURPASS CARD IF

You use travel. Travel alone is worth $200 here and nothing on the Amex Business Gold.

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Frequently asked questions

Which is better, American Express Business Gold or Hilton Honors American Express Surpass Card?

The American Express Business Gold is better with $470 net annual value compared to the Hilton Honors American Express Surpass Card at $50. The American Express Business Gold wins by $420/year.

What's the difference between American Express Business Gold and Hilton Honors American Express Surpass Card?

The key differences: American Express Business Gold has a $375 annual fee and $845 in annual benefits, while Hilton Honors American Express Surpass Card has a $150 annual fee and $200 in annual benefits. The annual fee difference is $225.

Which has a lower annual fee, American Express Business Gold or Hilton Honors American Express Surpass Card?

The Hilton Honors American Express Surpass Card has a lower annual fee at $150 compared to the American Express Business Gold at $375. However, the American Express Business Gold offers $845 in total annual benefits.

Is the American Express Business Gold worth it compared to the Hilton Honors American Express Surpass Card?

Yes, the American Express Business Gold offers better value with $470 net annual value compared to $50 for the Hilton Honors American Express Surpass Card. Even though it has a higher annual fee ($375 vs $150), the American Express Business Gold provides more total benefits.

Which card is better for business?

The American Express Business Gold is better for business with $690 in annual business benefits compared to $0 for the Hilton Honors American Express Surpass Card.

Should I get the American Express Business Gold?

If you're deciding between the American Express Business Gold and Hilton Honors American Express Surpass Card, the American Express Business Gold is the better choice with $470 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.

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