American Express The Blue Business Plus Credit Card vs Hilton Honors Surpass Card
Both are American Express cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- The Blue Business Plus Credit Card 4.0% 2x base rate
- Hilton Honors Surpass Card 1.2% 3x base rate
Hotels
- Hilton Honors Surpass Card 4.8% 12x
- The Blue Business Plus Credit Card 4.0% 2x base rate
What the numbers are doing
The Blue Business Plus Credit Card tops everything else at 4.0% only because this table values its points at 2 cents each. Value them at one cent and Hilton Honors Surpass Card wins that category instead.
The table is earn rate only — annual fees are not netted out of it. These cards charge The Blue Business Plus Credit Card $0 and Hilton Honors Surpass Card $150 a year, so a thin lead in one category may not cover the difference.
Where they differ: The Blue Business Plus Credit Card takes everything else; Hilton Honors Surpass Card takes hotels.
| Category | Best card |
|---|---|
| Everything else | The Blue Business Plus Credit Card4.0% |
| Hotels | Hilton Honors Surpass Card4.8% |
Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.
Every category, every card
Everything else
- The Blue Business Plus Credit Card — 4.0%
- Hilton Honors Surpass Card — 1.2%
Hotels
- Hilton Honors Surpass Card — 4.8%
- The Blue Business Plus Credit Card — 4.0%
This link hands the pass straight to Wallet, no app and no account — its first three rows; the app unlocks every row.
iPhone app · not yet released
Preview this set of cards. The first three rows are free, whatever cards you hold; every row and every feature is $9.99 once, in the app. See the free combos.
Open this ranking in the generatorA cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.