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COMPARE/HILTON HONORS AMERICAN EXPRESS SURPASS CARD VS WORLD OF HYATT BUSINESS CREDIT CARD
FIRST CARD
SECOND CARD

Hilton Honors American Express Surpass Card or World of Hyatt Business Credit Card?

Hilton Honors American Express Surpass Card returns $50 over its fee and World of Hyatt Business Credit Card returns $59, so the fee difference comes down to which categories you use.

Hilton Honors American Express Surpass Card
Hilton Honors American Express Surpass CardAmerican Express · $150 fee · 1 credits
World of Hyatt Business Credit Card
World of Hyatt Business Credit CardChase · $199 fee · 2 credits
NET VALUE+$50$200 credits
NET VALUE-$59$140 credits
BEST NET VALUE
Hilton Honors American Express Surpass Card
AMERICAN EXPRESSHilton Honors American Express Surpass Card
FEE$150
CREDITS$200
NET+$50
Category wins1 of 2
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
Hilton Surpass Free Night
World of Hyatt Business Credit Card
CHASEWorld of Hyatt Business Credit Card
FEE$199
CREDITS$140
NET-$59
Category wins1 of 2
TAKE THE HILTON HONORS AMERICAN EXPRESS SURPASS CARD IF

You use travel.

TAKE THE WORLD OF HYATT BUSINESS CREDIT CARD IF

You use food & dining. Food & Dining alone is worth $40 here and nothing on the Hilton Honors American Express Surpass Card.

Track what you useAdd your card and mark the credits you collect. The calculator does the rest.
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Frequently asked questions

Which is better, Hilton Honors American Express Surpass Card or World of Hyatt Business Credit Card?

The Hilton Honors American Express Surpass Card is better with $50 net annual value compared to the World of Hyatt Business Credit Card at -$59. The Hilton Honors American Express Surpass Card wins by $109/year.

What's the difference between Hilton Honors American Express Surpass Card and World of Hyatt Business Credit Card?

The key differences: World of Hyatt Business Credit Card has a $199 annual fee and $200 in annual benefits, while Hilton Honors American Express Surpass Card has a $150 annual fee and $140 in annual benefits. The annual fee difference is $49.

Which has a lower annual fee, Hilton Honors American Express Surpass Card or World of Hyatt Business Credit Card?

The Hilton Honors American Express Surpass Card has a lower annual fee at $150 compared to the World of Hyatt Business Credit Card at $199. However, the World of Hyatt Business Credit Card offers $140 in total annual benefits.

Is the Hilton Honors American Express Surpass Card worth it compared to the World of Hyatt Business Credit Card?

Yes, the Hilton Honors American Express Surpass Card offers better value with $50 net annual value compared to -$59 for the World of Hyatt Business Credit Card. It also has a lower annual fee.

Amex vs Chase: which issuer is better?

For these specific cards, Amex's Hilton Honors American Express Surpass Card offers better value with $50 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

Which card is better for travel?

The Hilton Honors American Express Surpass Card is better for travel with $200 in annual travel benefits compared to $100 for the World of Hyatt Business Credit Card.

Should I get the Hilton Honors American Express Surpass Card?

If you're deciding between the Hilton Honors American Express Surpass Card and World of Hyatt Business Credit Card, the Hilton Honors American Express Surpass Card is the better choice with $50 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.

Other comparisons

NET VALUE SHOWN FOR EACH
American Express Platinum+$2,109
VS
Chase Sapphire Reserve+$2,348
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American Express Platinum+$2,109
VS
Capital One Venture X-$65
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Capital One Venture X-$65
VS
Chase Sapphire Reserve+$2,348
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American Express Business Platinum+$1,284
VS
Chase Sapphire Reserve for Business+$1,155
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American Express Delta SkyMiles Reserve-$60
VS
Chase United Quest+$456
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American Express Gold+$99
VS
American Express Platinum+$2,109
See the breakdown →

MORE HILTON HONORS AMERICAN EXPRESS SURPASS CARD COMPARISONS

MORE WORLD OF HYATT BUSINESS CREDIT CARD COMPARISONS