Hilton Honors American Express Surpass Card vs. Bank of America Travel Rewards credit card
On the criteria below, Hilton Honors American Express Surpass Card wins 3 of 4. The verdict depends on which criteria matter to you.
Hilton Honors American Express Surpass Card
Amex
Bank of America Travel Rewards credit card
Bank of America
Hilton Honors American Express Surpass Card wins 3 of 4 criteria here, making it the stronger all-rounder.
Hilton Honors American Express Surpass Card wins on first-year math, earning ceiling, and travel insurance; Bank of America Travel Rewards credit card wins on annual fee.
Pick the Hilton Honors American Express Surpass Card if year-one math is your priority; take the Bank of America Travel Rewards credit card if you want a cheaper card to keep long-term.
Who wins what
3 vs 1- First-year math Hilton Honors American Express Surpass Card
Hilton Honors American Express Surpass Card wins on bonus value minus annual fee.
- Annual fee Bank of America Travel Rewards credit card
Bank of America Travel Rewards credit card is $150 cheaper to keep.
- Earning ceiling Hilton Honors American Express Surpass Card
Hilton Honors American Express Surpass Card earns more on its best category (12× vs 3×).
- Travel insurance Hilton Honors American Express Surpass Card
Hilton Honors American Express Surpass Card carries built-in travel insurance.
By the numbers
- Annual fee
- $150
- Free
- Welcome offer (typical value)
- $650
- —
- First-year net
- +$500
- +$0
- Peak earning rate
- 12×
- 3×
- Top categories
- Dining, Gas, Hotels Resorts
- Travel
- Lounge access
- No
- No
- Travel insurance
- Yes
- No
- Elite status
- Yes
- No
- Foreign transaction fee
- None
- None
- Reward currency
- Hilton Honors
- Bank of America Travel Rewards Points
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.