Editorial take: Hilton Honors Surpass
The sweet spot in the Hilton lineup. Gold status gets you free breakfast worth $30-50 per stay, and the free weekend night after spend typically covers a $300+ stay.
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Side-by-side
Hilton Honors Surpass vs Norwegian Cruise Line World Mastercard
Both are well-respected travel cards. The Hilton Honors Surpass comes from American Express at $150/yr; the Norwegian Cruise Line World Mastercard from Bank of America at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Hilton Honors Surpass | Norwegian Cruise Line World Mastercard |
|---|---|---|
| Annual fee | $150 | $0 |
| Sign-up bonus | 130,000 Hilton Honors Bonus Points | 25,000 WorldPoints |
| Bonus value (est.) | - | $250 |
| Min spend to unlock bonus | $3,000 in 6 mo | $1,000 in 3 mo |
| Issuer | American Express | Bank of America |
| Card category | hotel | travel |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
Hilton Honors Surpass
$150/yr · 130,000 Hilton Honors Bonus Points
Read the full review
Norwegian Cruise Line World Mastercard
$0/yr · 25,000 WorldPoints
Editorial take: Norwegian Cruise Line World Mastercard
Common questions
- Which card has the bigger sign-up bonus, Hilton Honors Surpass or Norwegian Cruise Line World Mastercard?
- The Norwegian Cruise Line World Mastercard has a public bonus (25,000 WorldPoints, worth roughly $250), while the Hilton Honors Surpass doesn't advertise one right now.
- Is the Hilton Honors Surpass's $150 annual fee worth it compared to the Norwegian Cruise Line World Mastercard?
- At $150/yr, the Hilton Honors Surpass is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Norwegian Cruise Line World Mastercard's, pick the one whose perks you'll actually use.
- Can I have both the Hilton Honors Surpass and Norwegian Cruise Line World Mastercard?
- Yes, since they're from different issuers (American Express and Bank of America) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Hilton Honors Surpass or the Norwegian Cruise Line World Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Hilton Honors Surpass: $3,000 spend in 6 months. Norwegian Cruise Line World Mastercard: $1,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.