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Side-by-side

Hilton Honors Surpass vs American Airlines AAdvantage MileUp Card

Both are well-respected travel cards. The Hilton Honors Surpass comes from American Express at $150/yr; the American Airlines AAdvantage MileUp Card from Citi 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.

FeatureHilton Honors SurpassAmerican Airlines AAdvantage MileUp Card
Annual fee$150$0
Sign-up bonus130,000 Hilton Honors Bonus Points15,000 miles
Bonus value (est.)-$248
Min spend to unlock bonus$3,000 in 6 mo$500 in 3 mo
IssuerAmerican ExpressCiti
Card categoryhoteltravel
Best earning category (Hilton)12x1x
Transfer partnersNoneNone
Headline benefits
  • Automatic Gold status
  • Free Night Reward after $15k annual spend
  • $200 Hilton credit/year
  • 12x at Hilton
    Read the full review
    Hilton Honors Surpass
    $150/yr · 130,000 Hilton Honors Bonus Points
    Read the full review
    American Airlines AAdvantage MileUp Card
    $0/yr · 15,000 miles

    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.

    Editorial take: American Airlines AAdvantage MileUp Card

    Common questions

    Which card has the bigger sign-up bonus, Hilton Honors Surpass or American Airlines AAdvantage MileUp Card?
    The American Airlines AAdvantage MileUp Card has a public bonus (15,000 miles, worth roughly $248), 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 American Airlines AAdvantage MileUp Card?
    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 American Airlines AAdvantage MileUp Card's, pick the one whose perks you'll actually use.
    Can I have both the Hilton Honors Surpass and American Airlines AAdvantage MileUp Card?
    Yes, since they're from different issuers (American Express and Citi) 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 American Airlines AAdvantage MileUp Card first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Hilton Honors Surpass: $3,000 spend in 6 months. American Airlines AAdvantage MileUp Card: $500 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.