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American Express Graphite Business Cash Unlimited Card vs Hilton Honors Surpass Card

Both are American Express cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Graphite Business Cash Unlimited Card 2.0% 2% base rate
  2. Hilton Honors Surpass Card 1.2% 3x base rate

Dining

  1. Hilton Honors Surpass Card 2.4% 6x
  2. Graphite Business Cash Unlimited Card 2.0% 2% base rate

Groceries

  1. Hilton Honors Surpass Card 2.4% 6x
  2. Graphite Business Cash Unlimited Card 2.0% 2% base rate

Gas

  1. Hilton Honors Surpass Card 2.4% 6x
  2. Graphite Business Cash Unlimited Card 2.0% 2% base rate

Flights · portal

  1. Graphite Business Cash Unlimited Card · American Express Travel 5.0% 5%

Hotels

  1. Hilton Honors Surpass Card 4.8% 12x
  2. Graphite Business Cash Unlimited Card 2.0% 2% base rate

Hotels · portal

  1. Graphite Business Cash Unlimited Card · American Express Travel 5.0% 5%

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge Graphite Business Cash Unlimited Card $295 and Hilton Honors Surpass Card $150 a year, so a thin lead in one category may not cover the difference.

Where they differ: Graphite Business Cash Unlimited Card takes everything else; Hilton Honors Surpass Card takes dining, groceries, gas and hotels.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseGraphite Business Cash Unlimited Card2.0%
DiningHilton Honors Surpass Card2.4%
GroceriesHilton Honors Surpass Card2.4%
GasHilton Honors Surpass Card2.4%
Flights · portalGraphite Business Cash Unlimited Card · American Express Travel5.0%
HotelsHilton Honors Surpass Card4.8%
Hotels · portalGraphite Business Cash Unlimited Card · American Express Travel5.0%

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

  1. Graphite Business Cash Unlimited Card — 2.0%
  2. Hilton Honors Surpass Card — 1.2%

Dining

  1. Hilton Honors Surpass Card — 2.4%
  2. Graphite Business Cash Unlimited Card — 2.0%

Groceries

  1. Hilton Honors Surpass Card — 2.4%
  2. Graphite Business Cash Unlimited Card — 2.0%

Gas

  1. Hilton Honors Surpass Card — 2.4%
  2. Graphite Business Cash Unlimited Card — 2.0%

Flights · portal

  1. Graphite Business Cash Unlimited Card · American Express Travel — 5.0%

Hotels

  1. Hilton Honors Surpass Card — 4.8%
  2. Graphite Business Cash Unlimited Card — 2.0%

Hotels · portal

  1. Graphite Business Cash Unlimited Card · American Express Travel — 5.0%
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