Business Platinum vs Hilton Honors Surpass
Business Platinum
$695/yr
5.5/10
VS
Hilton Honors Surpass
$95/yr
7.0/10
Quick Answer
Business Platinum charges $695/yr with 1X base rewards. Hilton Honors Surpass charges $95/yr with 1X base rewards. Hilton Honors Surpass offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Hilton Honors Surpass
Lower annual fee ($695 vs $95)
Rewards Earning
Business Platinum
6 earning categories
Benefits & Protection
See card details
Visit each card's review for full benefits list
Statement Credits
Business Platinum
$1299 in annual credits
Flexibility
Hilton Honors Surpass
Transferable points to airline/hotel partners
OUR PICK
Hilton Honors Surpass wins for most people
The $600 fee difference is hard to justify unless you maximize premium benefits.
Apply for Hilton Honors SurpassPREMIUM PICK
Business Platinum wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Business PlatinumRewards Earning: Detailed Comparison
Business Platinum
| Flights & hotels (Amex Travel) | 5.0X |
| Eligible purchases $5,000+ | 1.5X (up to $2,000,000) |
| US construction material & hardware | 1.5X |
| US electronic goods retailers | 1.5X |
| US shipping providers | 1.5X |
| Everything else | 1.0X |
Hilton Honors Surpass
| Hilton hotels | 12.0X |
| US restaurants | 6.0X |
| US supermarkets | 6.0X |
| US gas stations | 6.0X |
| US online retail | 4.0X |
| Everything else | 3.0X |