FIRST CARD
VSSECOND CARD
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.
Hilton Honors American Express Surpass CardAmerican Express · $150 fee · 1 credits
Bank of America Premium RewardsBank of America · $95 fee · 2 credits
NET VALUE+$50$200 credits
NET VALUE+$30$125 credits
| 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 |
BEST NET VALUE
AMERICAN EXPRESSHilton Honors American Express Surpass Card
FEE$150
CREDITS$200
NET+$50
Category wins1 of 1
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
TAKE THE HILTON HONORS AMERICAN EXPRESS SURPASS CARD IF
You use travel.
Track what you useAdd your card and mark the credits you collect. The calculator does the rest.
Start tracking freeFrequently 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.