The British Airways Visa and Hilton Honors Surpass are closely matched. British Airways Visa wins on 2 categories (90,000 pts signup bonus); Hilton Honors Surpass wins on 2 (130,000 pts signup bonus). The better pick depends on your spending patterns.
British Airways Visa vs Hilton Honors Surpass
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
- British Airways, Aer Lingus, and Iberia 3x
- hotel accommodations when booked directly with the hotel 2x
- All Other Purchases 1x
- hotels and resorts within the Hilton portfolio 12x
- Dining At U.S. restaurants, including takeout and delivery, 6x
- Groceries At U.S. supermarkets 6x
- Hilton Credit $50
- Hilton Honors Gold Status
- Travel Together Ticket every calendar year you make $30,000 in purchases on your British Airways credit card. Valid for two years when you redeem Avios for a flight on British Airways for a companion traveling on the same flight, or use it for a 50% discount on the Avios price you pay when booking a solo reward flightAfter $30,000 spend
- Free Night AwardAfter $15,000 spend
Common Questions: British Airways Visa vs Hilton Honors Surpass
Is the British Airways Visa or Hilton Honors Surpass better for dining?
British Airways Visa has no dining bonus; Hilton Honors Surpass earns 6x on dining.
Which has the higher signup bonus in 2026?
British Airways Visa currently offers 90,000 pts signup bonus (spend $5,000 in 3 months). Hilton Honors Surpass offers 130,000 pts signup bonus (spend $3,000 in 6 months). British Airways Visa 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 British Airways Visa 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. British Airways Visa is from Chase and Hilton Honors Surpass is from American Express, so they're governed by separate bank policies.