Bank of America Premium Rewards vs Hilton Honors Surpass
Compare fees, current offers, and listed rewards. Add your preferences to see which card may fit better.
Hilton Honors Surpass leads on the listed facts.
Hilton Honors Surpass leads on 3 of 4 headline comparisons: annual fee, estimated welcome bonus, highest listed earn rate, and annual listed credits. This is a starting point; category restrictions and the benefits you actually use can change the better fit.
Best if your main priority is the larger current welcome offer.
Best if you will actually use recurring statement credits and premium benefits.
This comparison has not assessed your spending or eligibility. Listed credits are potential benefits, not savings; earn-rate caps and redemption choices can change their value.
What leads on the listed facts
- Hilton Honors Surpass wins 3 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Hilton Honors Surpass reaches 12x; Bank of America Premium Rewards reaches 2x.
- Annual fee: Hilton Honors Surpass is $150/yr; Bank of America Premium Rewards is $95/yr.
- Current public bonus values: Bank of America Premium Rewards ~$600; Hilton Honors Surpass ~$1300.
Headline comparison · not personalized
This comparison has not assessed your spending or eligibility. Listed credits are potential benefits, not savings; earn-rate caps and redemption choices can change their value.
Why you can trust this answer
CardCurator compares measurable card economics first, then uses deeper rewards intelligence from program data, transfer partners, award charts, and live bonuses when a decision depends on the ecosystem behind the card rather than the card headline alone.
Personalize this answer without sharing sensitive data
Start with a few signals that usually decide close matchups: rough monthly spend, your top category, annual-fee tolerance, and whether you already hold either card.
This step is meant to break close ties without asking for uploads, account creation, or exact spending data.
Hilton Honors Surpass
Assumptions: default assumptions
No personal inputs have been applied. Add your spending focus, fee preference, or current cards to explore how the comparison changes.
- Travel 2x
- Dining 2x
- All Other Purchases 1.5x
- hotels and resorts within the Hilton portfolio 12x
- Dining At U.S. restaurants, including takeout and delivery, 6x
- Groceries At U.S. supermarkets 6x
- Airline Incidental Credit $100
- TSA PreCheck / Global Entry $100
- Hilton Credit $50
- Hilton Honors Gold Status
- Free Night AwardAfter $15,000 spend
- United MileagePlus
Quick summary
A short version of the comparison with the main differences at a glance.
Hilton Honors Surpass leads on 3 of 4 headline comparisons: annual fee, estimated welcome bonus, highest listed earn rate, and annual listed credits. This is a starting point; category restrictions and the benefits you actually use can change the better fit. On raw upside, Hilton Honors Surpass tops out at 12x versus 2x for Bank of America Premium Rewards. Current signup bonus values are roughly $600 for Bank of America Premium Rewards and $1300 for Hilton Honors Surpass. Summary generated October 13, 2026. Source: https://cardcurator.ai/compare/bank-of-america-premium-rewards-vs-hilton-honors-surpass
- Hilton Honors Surpass wins 3 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Hilton Honors Surpass reaches 12x; Bank of America Premium Rewards reaches 2x.
- Annual fee: Hilton Honors Surpass is $150/yr; Bank of America Premium Rewards is $95/yr.
- Current public bonus values: Bank of America Premium Rewards ~$600; Hilton Honors Surpass ~$1300.
Common Questions: Bank of America Premium Rewards vs Hilton Honors Surpass
Is the Bank of America Premium Rewards or Hilton Honors Surpass better for dining?
Bank of America Premium Rewards earns 2x on dining; Hilton Honors Surpass earns 6x on dining. Hilton Honors Surpass wins for dining.
Which has the higher signup bonus in 2026?
Bank of America Premium Rewards currently offers 60,000 points (spend $4,000 in 3 months). Hilton Honors Surpass offers 130,000 points (spend $3,000 in 6 months). Hilton Honors Surpass has the larger bonus.
Which card is better for international travel?
Bank of America Premium Rewards: no foreign transaction fee listed. Hilton Honors Surpass: no foreign transaction fee listed. Check the issuer's current terms before using a card abroad.
Can I hold both the Bank of America Premium Rewards 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. Bank of America Premium Rewards is from Bank of America and Hilton Honors Surpass is from American Express, so they're governed by separate bank policies.
Keep Researching
If this matchup is close, the stronger next step is usually to read the full card reviews or use a broader ranking page instead of comparing random pairs one by one.