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CardCurator — Rewards Intelligence
Quick Answer

The Hilton Honors Surpass edges out the Air France KLM World Elite Mastercard for most cardholders — it wins on 3 of 4 comparison categories and offers 130,000 pts signup bonus earns more (up to 12x vs 3x). The Air France KLM World Elite Mastercard is the better choice if you want no or lower annual fee.

Card Comparison

Air France KLM World Elite Mastercard vs Hilton Honors Surpass

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Air France KLM World Elite Mastercard card art
Flying Blue
Air France KLM World Elite Mastercard
Bank of America
More Info
Hilton Honors Surpass card art
Hilton Honors
Hilton Honors Surpass
American Express
More Info
Annual Fee
$89/yr
$150/yr
Foreign Fees
None
None
Signup Bonus
70,000 points
Spend $3,000 in 3 months
was 50k pts
130,000 points
Spend $3,000 in 6 months
was 130k pts
Top Earn Rates
  • spent directly on Air France, KLM Royal Dutch Airlines and SkyTeam member airlines purchases 3x
  • All Other Purchases 1.2x
  • hotels and resorts within the Hilton portfolio 12x
  • Dining At U.S. restaurants, including takeout and delivery, 6x
  • Groceries At U.S. supermarkets 6x
Reward Type
miles
miles
Pts Value
~1.30¢/pt miles · industry est.
~0.50¢/pt points · industry est.
Key Credits
None
  • Hilton Credit $50
Card Perks
None listed
  • Hilton Honors Gold Status
Spend Milestones
  • 5000 Miles every year
    After $50 spend
  • Free Night Award
    After $15,000 spend
Transfer Partners
No transfer partners
No transfer partners
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Common Questions: Air France KLM World Elite Mastercard vs Hilton Honors Surpass

Is the Air France KLM World Elite Mastercard or Hilton Honors Surpass better for dining?

Air France KLM World Elite Mastercard has no dining bonus; Hilton Honors Surpass earns 6x on dining.

Which has the higher signup bonus in 2026?

Air France KLM World Elite Mastercard currently offers 70,000 pts signup bonus (spend $3,000 in 3 months). Hilton Honors Surpass offers 130,000 pts signup bonus (spend $3,000 in 6 months). Hilton Honors Surpass has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Air France KLM World Elite Mastercard and the Hilton Honors Surpass?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Air France KLM World Elite Mastercard is from Bank of America and Hilton Honors Surpass is from American Express, so they're governed by separate bank policies.