Hilton Honors Surpass vs World of Hyatt Business
Hilton Honors Surpass
$95/yr
7.0/10
VS
World of Hyatt Business
$199/yr
6.0/10
Quick Answer
Hilton Honors Surpass charges $95/yr with 1X base rewards. World of Hyatt Business charges $199/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 ($95 vs $199)
Rewards Earning
Hilton Honors Surpass
6 earning categories
Benefits & Protection
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Visit each card's review for full benefits list
Statement Credits
World of Hyatt Business
$100 in annual credits
Flexibility
Hilton Honors Surpass
Transferable points to airline/hotel partners
OUR PICK
Hilton Honors Surpass wins for most people
The $104 fee difference is hard to justify unless you maximize premium benefits.
Apply for Hilton Honors SurpassPREMIUM PICK
World of Hyatt Business wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for World of Hyatt BusinessRewards Earning: Detailed Comparison
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 |
World of Hyatt Business
| Hyatt hotels (4 base + 5 bonus) | 9.0X |
| Dining | 2.0X |
| Airline tickets (direct) | 2.0X |
| Local transit & commuting | 2.0X |
| Everything else | 1.0X |