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Quick Answer

The Hilton Honors Surpass edges out the Atmos Rewards Ascent 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 Atmos Rewards Ascent is the better choice if you want no or lower annual fee.

Card Comparison

Atmos Rewards Ascent vs Hilton Honors Surpass

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

Atmos Rewards Ascent card art
Atmos Rewards
Atmos Rewards Ascent
Bank of America
More Info
Hilton Honors Surpass card art
Hilton Honors
Hilton Honors Surpass
American Express
More Info
Annual Fee
$95/yr
$150/yr
Foreign Fees
None
None
Signup Bonus
85,000 points
Spend $4,500 in 4 months
was 80k pts
130,000 points
Spend $3,000 in 6 months
was 130k pts
Top Earn Rates
  • Alaska/Hawaiian Airlines 3x
  • Gas Stations 2x
  • EV Charging 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
~1.50¢/pt points · industry est.
~0.50¢/pt points · industry est.
Key Credits
None
  • Hilton Credit $50
Card Perks
  • free checked bag and preferred boarding (~$70/yr)
  • $100 off an annual Alaska Lounge+ membership (~$100/yr)
  • Enjoy 20% back on all Alaska Airlines and Hawaiian Airlines in-flight purchases (~$20/yr)
  • Hilton Honors Gold Status
Spend Milestones
  • Annual $99 Companion Fare. Get a $99 Companion Fare (plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. Valid on all Alaska Airlines and Hawaiian Airlines flights within North America booked on AlaskaAir.com
    After $6,000 spend
  • Free Night Award
    After $15,000 spend
Transfer Partners
No transfer partners
No transfer partners

Common Questions: Atmos Rewards Ascent vs Hilton Honors Surpass

Is the Atmos Rewards Ascent or Hilton Honors Surpass better for dining?

Atmos Rewards Ascent has no dining bonus; Hilton Honors Surpass earns 6x on dining.

Which has the higher signup bonus in 2026?

Atmos Rewards Ascent currently offers 85,000 pts signup bonus (spend $4,500 in 4 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 Atmos Rewards Ascent 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. Atmos Rewards Ascent is from Bank of America and Hilton Honors Surpass is from American Express, so they're governed by separate bank policies.