Hilton Honors American Express Surpass Card or Bank of America Premium Rewards?
Hilton Honors American Express Surpass Card returns $50 over its fee and Bank of America Premium Rewards returns $30, so the fee difference comes down to which categories you use.
| CATEGORY | HILTON HONORS AMERICAN EXPRESS SURPASS CARD | BANK OF AMERICA PREMIUM REWARDS |
|---|---|---|
| 🌎Travel | $200 | $125 |
| Hotel Free Night Certificates | — | |
| Total credits | $200 | $125 |
| Annual fee | $150 | $95 |
| Net value | +$50 | +$30 |
You use travel.
Frequently asked questions
Which is better, Hilton Honors American Express Surpass Card or Bank of America Premium Rewards?
The Hilton Honors American Express Surpass Card is better with $50 net annual value compared to the Bank of America Premium Rewards at $30. The Hilton Honors American Express Surpass Card wins by $20/year.
What's the difference between Hilton Honors American Express Surpass Card and Bank of America Premium Rewards?
The key differences: Hilton Honors American Express Surpass Card has a $150 annual fee and $200 in annual benefits, while Bank of America Premium Rewards has a $95 annual fee and $125 in annual benefits. The annual fee difference is $55.
Which has a lower annual fee, Hilton Honors American Express Surpass Card or Bank of America Premium Rewards?
The Bank of America Premium Rewards has a lower annual fee at $95 compared to the Hilton Honors American Express Surpass Card at $150. However, the Hilton Honors American Express Surpass Card offers $200 in total annual benefits.
Is the Hilton Honors American Express Surpass Card worth it compared to the Bank of America Premium Rewards?
Yes, the Hilton Honors American Express Surpass Card offers better value with $50 net annual value compared to $30 for the Bank of America Premium Rewards. Even though it has a higher annual fee ($150 vs $95), the Hilton Honors American Express Surpass Card provides more total benefits.
Amex vs Bank of America: which issuer is better?
For these specific cards, Amex's Hilton Honors American Express Surpass Card offers better value with $50 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.
Which card is better for travel?
The Hilton Honors American Express Surpass Card is better for travel with $200 in annual travel benefits compared to $125 for the Bank of America Premium Rewards.
Should I get the Hilton Honors American Express Surpass Card?
If you're deciding between the Hilton Honors American Express Surpass Card and Bank of America Premium Rewards, the Hilton Honors American Express Surpass Card is the better choice with $50 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.
Other comparisons
NET VALUE SHOWN FOR EACHMORE HILTON HONORS AMERICAN EXPRESS SURPASS CARD COMPARISONS
- vs. Amex Business Gold
- vs. Amex Business Platinum
- vs. Amex Delta SkyMiles Reserve
- vs. Amex Delta SkyMiles Reserve Business
- vs. Amex Gold
- vs. Amex Green
- vs. Amex Hilton Honors Aspire
- vs. Amex Marriott Bonvoy Brilliant
- vs. Amex Platinum
- vs. Amex Platinum (Charles Schwab)
- vs. Amex Platinum (Morgan Stanley)
- vs. Delta SkyMiles Gold Business
- vs. Delta SkyMiles Platinum Business
- vs. Delta SkyMiles® Gold American Express Card
- vs. Delta SkyMiles® Platinum American Express Card
- vs. Hilton Honors American Express Business Card
- vs. Bank of America Premium Rewards Elite
- vs. Capital One Venture X
- vs. Capital One Venture X Business
- vs. Hyatt
- vs. Sapphire Preferred
- vs. Sapphire Reserve
- vs. Sapphire Reserve for Business
- vs. United Club
- vs. United Explorer
- vs. United Quest
- vs. IHG One Rewards Business Credit Card
- vs. IHG One Rewards Premier Credit Card
- vs. IHG One Rewards Premier Select Credit Card
- vs. Marriott Bonvoy Boundless
- vs. The Ritz-Carlton Credit Card
- vs. United Business Card
- vs. United Club Business Card
- vs. Citi AAdvantage Executive
- vs. Citi Strata Elite
- vs. U.S. Bank Altitude Reserve
- vs. Wells Fargo Autograph Journey
MORE BANK OF AMERICA PREMIUM REWARDS COMPARISONS
- vs. Amex Business Gold
- vs. Amex Business Platinum
- vs. Amex Delta SkyMiles Reserve
- vs. Amex Delta SkyMiles Reserve Business
- vs. Amex Gold
- vs. Amex Green
- vs. Amex Hilton Honors Aspire
- vs. Amex Marriott Bonvoy Brilliant
- vs. Amex Platinum
- vs. Amex Platinum (Charles Schwab)
- vs. Amex Platinum (Morgan Stanley)
- vs. Delta SkyMiles Gold Business
- vs. Delta SkyMiles Platinum Business
- vs. Delta SkyMiles® Gold American Express Card
- vs. Delta SkyMiles® Platinum American Express Card
- vs. Hilton Honors American Express Business Card
- vs. Bank of America Premium Rewards Elite
- vs. Capital One Venture X
- vs. Capital One Venture X Business
- vs. Hyatt
- vs. Sapphire Preferred
- vs. Sapphire Reserve
- vs. Sapphire Reserve for Business
- vs. United Club
- vs. United Explorer
- vs. United Quest
- vs. IHG One Rewards Business Credit Card
- vs. IHG One Rewards Premier Credit Card
- vs. IHG One Rewards Premier Select Credit Card
- vs. Marriott Bonvoy Boundless
- vs. The Ritz-Carlton Credit Card
- vs. United Business Card
- vs. United Club Business Card
- vs. Citi AAdvantage Executive
- vs. Citi Strata Elite
- vs. U.S. Bank Altitude Reserve
- vs. Wells Fargo Autograph Journey