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 Bank of America Travel Rewards
Both are well-respected travel cards. The Hilton Honors Surpass comes from American Express at $150/yr; the Bank of America Travel Rewards 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 | Bank of America Travel Rewards |
|---|---|---|
| Annual fee | $150 | $0 |
| Sign-up bonus | 130,000 Hilton Honors Bonus Points | 25,000 points |
| 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
Bank of America Travel Rewards
$0/yr · 25,000 points
Editorial take: Bank of America Travel Rewards
The no-fee version of Premium Rewards. Only shines with BoA's Preferred Rewards boost, otherwise the Capital One VentureOne or Wells Fargo Autograph beat it.
Common questions
- Which card has the bigger sign-up bonus, Hilton Honors Surpass or Bank of America Travel Rewards?
- The Bank of America Travel Rewards has a public bonus (25,000 points, 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 Bank of America Travel Rewards?
- 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 Bank of America Travel Rewards's, pick the one whose perks you'll actually use.
- Can I have both the Hilton Honors Surpass and Bank of America Travel Rewards?
- 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 Bank of America Travel Rewards first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Hilton Honors Surpass: $3,000 spend in 6 months. Bank of America Travel Rewards: $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.