Card comparison
Which card is better between Hilton Honors American Express Surpass and Lowe's Business Rewards?
Hilton Honors American Express Surpass is the better overall pick over Lowe's Business Rewards because it leads on Madeen's weighted scorecard (76 vs 24) across categories, bonus, benefits, and fee.
Effective rate Hilton Honors American Express Surpass
Annual fee Lowe's Business Rewards
Welcome bonus Hilton Honors American Express Surpass
Benefits value Hilton Honors American Express Surpass
Hilton Honors American Express Surpass is the stronger overall pick between Hilton Honors American Express Surpass and Lowe's Business Rewards because it leads on Madeen's weighted scorecard (76 vs 24) across categories, bonus, benefits, and fee. Hilton Honors American Express Surpass (3% top effective rate) vs Lowe's Business Rewards (2%): Madeen's catalog compares fees vs fees across dining, grocery, gas, and travel — not just headline categories.
Choose A if
Choose Hilton Honors American Express Surpass when its strongest categories, bonus, or perks match how you actually spend.
Choose B if
Choose Lowe's Business Rewards when the fee, welcome bonus, or issuer ecosystem fits better than the headline winner.
Full comparison
How do Hilton Honors American Express Surpass and Lowe's Business Rewards compare across all spend categories?
Across all five spend categories, Hilton Honors American Express Surpass and Lowe's Business Rewards trade wins row by row. Hilton Honors American Express Surpass peaks at 3% effective; Lowe's Business Rewards peaks at 2%. Hilton Honors American Express Surpass wins the headline effective-rate view in this pair.
| Category / metric | Hilton Honors American Express Surpass | Lowe's Business Rewards | Winner |
|---|---|---|---|
| Dining | 6x points (3%) | 2% back (2%) | Hilton Honors American Express Surpass · 1 pts |
| Grocery | 6x points (3%) | 1% back (1%) | Hilton Honors American Express Surpass · 2 pts |
| Gas | 6x points (3%) | 1% back (1%) | Hilton Honors American Express Surpass · 2 pts |
| Travel | 3x points (1.5%) | 1% back (1%) | Hilton Honors American Express Surpass · 0.5 pts |
| Other | 4x points (2%) | 1% back (1%) | Hilton Honors American Express Surpass · 1 pts |
| Welcome bonus | ~$650 estimated | — | Hilton Honors American Express Surpass |
| Est. annual benefits | $315/yr | $65/yr | Hilton Honors American Express Surpass |
| Annual fee | $150 | $0 | Lowe's Business Rewards |
| Holistic overall | 76 pts (cat 32, bonus 20, benefits 21, fee 3) | 24 pts (cat 8, bonus 0, benefits 4, fee 12) | Hilton Honors American Express Surpass |
Madeen take
How to think about this pair
Hilton Honors American Express Surpass (3% top effective rate) vs Lowe's Business Rewards (2%): Madeen's catalog compares fees vs fees across dining, grocery, gas, and travel — not just headline categories.
Strategy
Use Hilton Honors American Express Surpass when Best for spenders who put meaningful volume in dining and can earn 6x points. The welcome bonus can help if you can meet the spend requirement.. Use Lowe's Business Rewards when Best for spenders who put meaningful volume in dining and can earn 2% back.. Hilton Honors American Express Surpass is weaker when Compare it against simpler no-fee cards if you want minimum.
Hold both?
Many American Express users can hold both cards if each covers a different spend lane and the combined annual fees still clear your break-even math.
Welcome bonus playbook
If you are chasing a welcome bonus, Hilton Honors American Express Surpass leads on catalog bonus value. For long-term category earn after the bonus, Lowe's Business Rewards is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Madeen analysis
Which card has stronger benefits: Hilton Honors American Express Surpass or Lowe's Business Rewards?
Madeen estimates $315 annual benefit value on Hilton Honors American Express Surpass versus $65 on Lowe's Business Rewards. Credits only matter if you will use them.
Hilton Honors American Express Surpass
Total est. value: $315/yr
Credits and perks only help if you will actually use them in a typical year.
- $200 Hilton Credit $200/yr
- Car Rental Loss and Damage Insurance $40/yr
- Free Night Reward $25/yr
- Global Assist® Hotline $25/yr
- ShopRunner $25/yr
Lowe's Business Rewards
Total est. value: $65/yr
Credits and perks only help if you will actually use them in a typical year.
- Car Rental Loss and Damage Insurance $40/yr
- Global Assist® Hotline $25/yr
- 5% cash back in the first 6 months
- Extended Warranty
- Purchase Protection
Welcome bonus
Which welcome bonus is stronger for Hilton Honors American Express Surpass or Lowe's Business Rewards?
If you are chasing a welcome bonus, Hilton Honors American Express Surpass leads on catalog bonus value. For long-term category earn after the bonus, Lowe's Business Rewards is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend. Hilton Honors American Express Surpass lists 130k Hilton Honors; Lowe's Business Rewards lists.
Hilton Honors American Express Surpass
130k Hilton Honors
Lowe's Business Rewards
—
Caps & conditions
Caps and earn limits
Both Hilton Honors American Express Surpass and Lowe's Business Rewards carry structured reward caps in the catalog. Compare the category that matters most before assuming the headline multiplier lasts all year.
Hilton Honors American Express Surpass
- 6X points on dining at U.S. restaurants, including takeout and delivery
- 6X points on gas at U.S. gas stations
- 6X points on groceries at U.S. supermarkets
- 4X points U.S online retail purchases
Lowe's Business Rewards
- 2% cash back at U.S. restaurants
Who should pick which
Scenario playbook
Cashback-first user
Pick Lowe's Business Rewards
Lowe's Business Rewards is the better cashback-style pick because it has the cleaner effective-rate and fee blend for this pair.
Travel & points user
Pick Hilton Honors American Express Surpass
Hilton Honors American Express Surpass is the stronger travel-style pick because it combines better reward value with more travel-friendly positioning.
No annual fee priority
Pick Lowe's Business Rewards
Lowe's Business Rewards is easier to keep for no-fee users because it has the lighter annual-fee burden in this pair.
Heavy dining spend
Pick Hilton Honors American Express Surpass
For restaurant and dining-coded spend, the winner is whoever posts the stronger dining effective rate after caps and exclusions — see the category matrix for the current snapshot.
Heavy grocery spend
Pick Hilton Honors American Express Surpass
Supermarket and grocery coding can differ from superstores and delivery, so compare the grocery row before you optimize a weekly shopping basket.
Welcome bonus chaser
Pick Hilton Honors American Express Surpass
If you are chasing a welcome bonus, Hilton Honors American Express Surpass leads on catalog bonus value. For long-term category earn after the bonus, Lowe's Business Rewards is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Fee-sensitive keeper
Pick Lowe's Business Rewards
When you want the card that is easiest to keep year two, annual fee often matters more than a narrow category edge.
Decision guide
Which card is better between Hilton Honors American Express Surpass and Lowe's Business Rewards?
Hilton Honors American Express Surpass is the better overall pick because it leads on Madeen's weighted scorecard (76 vs 24) across categories, bonus, benefits, and fee. Hilton Honors American Express Surpass (3% top effective rate) vs Lowe's Business Rewards (2%): Madeen's catalog compares fees vs fees across dining, grocery, gas, and travel — not just headline categories.
When should you pick Hilton Honors American Express Surpass over Lowe's Business Rewards?
Choose Hilton Honors American Express Surpass if Best for spenders who put meaningful volume in dining and can earn 6x points. The welcome bonus can help if you can meet the spend requirement.. Best for dining-heavy spend when the $150 fee fits your usage; confirm issuer terms before applying.
Strengths
- Strongest Madeen category is dining at about 3% effective (6x points).
- That dining rate ranks higher than about 81% of cards we track in the category.
- No foreign transaction fee listed.
Tradeoffs
- $150 annual fee requires enough spend in bonus categories to offset.
- Multiple caps, activations, or exclusions may limit headline earn rates.
When should you pick Lowe's Business Rewards over Hilton Honors American Express Surpass?
Choose Lowe's Business Rewards if Best for spenders who put meaningful volume in dining and can earn 2% back.. Worth a look for dining spend if you need a business card and can use cash back the way you redeem today.
Strengths
- Strongest Madeen category is dining at about 2% effective (2% back).
- No annual fee in our catalog snapshot.
Tradeoffs
- Charges $2.70 foreign transaction fees.
- Business card — rewards and liability rules differ from consumer cards.
Common questions about Hilton Honors American Express Surpass vs Lowe's Business Rewards
Which card is better between Hilton Honors American Express Surpass and Lowe's Business Rewards?
Hilton Honors American Express Surpass is the stronger overall fit because it leads on Madeen's weighted scorecard (76 vs 24) across categories, bonus, benefits, and fee. The overall winner depends on your spend mix — use the scorecard rows and scenario playbook to see where each card actually wins.
Which card wins on dining: Hilton Honors American Express Surpass or Lowe's Business Rewards?
Hilton Honors American Express Surpass leads dining at 3% effective versus 2%.
Which card is better for cashback users: Hilton Honors American Express Surpass or Lowe's Business Rewards?
Lowe's Business Rewards is the better cashback-style pick between Hilton Honors American Express Surpass and Lowe's Business Rewards.
Which welcome bonus is stronger between Hilton Honors American Express Surpass and Lowe's Business Rewards?
If you are chasing a welcome bonus, Hilton Honors American Express Surpass leads on catalog bonus value. For long-term category earn after the bonus, Lowe's Business Rewards is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Which card has stronger benefits: Hilton Honors American Express Surpass or Lowe's Business Rewards?
Hilton Honors American Express Surpass leads on estimated annual benefit value in the Madeen snapshot.
Which card has the lower annual fee: Hilton Honors American Express Surpass or Lowe's Business Rewards?
Lowe's Business Rewards has the simpler fee story in this pair ($150 vs $0). Annual fee only wins if you use the rewards and credits that justify it.
Is Hilton Honors American Express Surpass or Lowe's Business Rewards better for travel spend?
Hilton Honors American Express Surpass is the stronger travel-style pick between Hilton Honors American Express Surpass and Lowe's Business Rewards in this snapshot.
Can you hold both American Express cards?
Yes, many people can hold both American Express cards when each covers a different spend lane and the combined fees still make sense.
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Reviewed by Madeen editorial review
Catalog snapshot 2026-05-01
Updated 2026-07-18
Content tier Standard
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