Hilton Honors American Express Surpass Card or United Club Business Card?
United Club Business Card returns $169 over its fee and Hilton Honors American Express Surpass Card returns $50, so the fee difference comes down to which categories you use.
| CATEGORY | HILTON HONORS AMERICAN EXPRESS SURPASS CARD | UNITED CLUB BUSINESS CARD |
|---|---|---|
| 🌎Travel | $200 | $450 |
| 🍽️Food & Dining | — | $240 |
| 🚗Transportation | — | $144 |
| Hotel Free Night Certificates | — | |
| Lounge Access | — | |
| Total credits | $200 | $864 |
| Annual fee | $150 | $695 |
| Net value | +$50 | +$169 |
You use travel, food & dining, transportation. Food & Dining and Transportation alone are worth $384 here and nothing on the Hilton Honors American Express Surpass Card.
Frequently asked questions
Which is better, Hilton Honors American Express Surpass Card or United Club Business Card?
The United Club Business Card is better with $169 net annual value compared to the Hilton Honors American Express Surpass Card at $50. The United Club Business Card wins by $119/year.
What's the difference between Hilton Honors American Express Surpass Card and United Club Business Card?
The key differences: United Club Business Card has a $695 annual fee and $864 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 $545.
Which has a lower annual fee, Hilton Honors American Express Surpass Card or United Club Business Card?
The Hilton Honors American Express Surpass Card has a lower annual fee at $150 compared to the United Club Business Card at $695. However, the United Club Business Card offers $864 in total annual benefits.
Is the United Club Business Card worth it compared to the Hilton Honors American Express Surpass Card?
Yes, the United Club Business Card offers better value with $169 net annual value compared to $50 for the Hilton Honors American Express Surpass Card. Even though it has a higher annual fee ($695 vs $150), the United Club Business Card provides more total benefits.
Amex vs Chase: which issuer is better?
For these specific cards, Chase's United Club Business Card offers better value with $169 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.
Which card is better for travel?
The United Club Business Card is better for travel with $450 in annual travel benefits compared to $200 for the Hilton Honors American Express Surpass Card.
Should I get the United Club Business Card?
If you're deciding between the Hilton Honors American Express Surpass Card and United Club Business Card, the United Club Business Card is the better choice with $169 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 EACHMORE HILTON HONORS AMERICAN EXPRESS SURPASS CARD COMPARISONS
- vs. Amex Business Gold
- vs. Amex Business Platinum
- vs. Amex Delta SkyMiles Reserve
- vs. Amex Delta SkyMiles Reserve Business
- vs. Amex Gold
- vs. Amex Green
- vs. Amex Hilton Honors Aspire
- vs. Amex Marriott Bonvoy Brilliant
- vs. Amex Platinum
- vs. Amex Platinum (Charles Schwab)
- vs. Amex Platinum (Morgan Stanley)
- vs. Delta SkyMiles Gold Business
- vs. Delta SkyMiles Platinum Business
- vs. Delta SkyMiles® Gold American Express Card
- vs. Delta SkyMiles® Platinum American Express Card
- vs. Hilton Honors American Express Business Card
- vs. Bank of America Premium Rewards
- vs. Bank of America Premium Rewards Elite
- vs. Capital One Venture X
- vs. Capital One Venture X Business
- vs. Hyatt
- vs. Sapphire Preferred
- vs. Sapphire Reserve
- vs. Sapphire Reserve for Business
- vs. United Club
- vs. United Explorer
- vs. United Quest
- vs. IHG One Rewards Business Credit Card
- vs. IHG One Rewards Premier Credit Card
- vs. IHG One Rewards Premier Select Credit Card
- vs. Marriott Bonvoy Boundless
- vs. The Ritz-Carlton Credit Card
- vs. United Business Card
- vs. Citi AAdvantage Executive
- vs. Citi Strata Elite
- vs. U.S. Bank Altitude Reserve
- vs. Wells Fargo Autograph Journey
MORE UNITED CLUB BUSINESS CARD COMPARISONS
- vs. Amex Business Gold
- vs. Amex Business Platinum
- vs. Amex Delta SkyMiles Reserve
- vs. Amex Delta SkyMiles Reserve Business
- vs. Amex Gold
- vs. Amex Green
- vs. Amex Hilton Honors Aspire
- vs. Amex Marriott Bonvoy Brilliant
- vs. Amex Platinum
- vs. Amex Platinum (Charles Schwab)
- vs. Amex Platinum (Morgan Stanley)
- vs. Delta SkyMiles Gold Business
- vs. Delta SkyMiles Platinum Business
- vs. Delta SkyMiles® Gold American Express Card
- vs. Delta SkyMiles® Platinum American Express Card
- vs. Hilton Honors American Express Business Card
- vs. Bank of America Premium Rewards
- vs. Bank of America Premium Rewards Elite
- vs. Capital One Venture X
- vs. Capital One Venture X Business
- vs. Hyatt
- vs. Sapphire Preferred
- vs. Sapphire Reserve
- vs. Sapphire Reserve for Business
- vs. United Club
- vs. United Explorer
- vs. United Quest
- vs. IHG One Rewards Business Credit Card
- vs. IHG One Rewards Premier Credit Card
- vs. IHG One Rewards Premier Select Credit Card
- vs. Marriott Bonvoy Boundless
- vs. The Ritz-Carlton Credit Card
- vs. United Business Card
- vs. Citi AAdvantage Executive
- vs. Citi Strata Elite
- vs. U.S. Bank Altitude Reserve
- vs. Wells Fargo Autograph Journey