Bank of America® Travel Rewards credit card vs. Hilton Honors American Express Surpass®
Side-by-side comparison · Updated 2026 · Independently reviewed
Bank of America® Travel Rewards credit card
Bank of America
4.2
1.5x points on all purchases. No annual fee. No foreign transaction fee.
Full review →
Hilton Honors American Express Surpass®
American Express
4.3
130,000 bonus points. 12x at Hilton. 6x at restaurants, supermarkets, gas.
Full review →WealthSpott Verdict
Bank of America® Travel Rewards credit card wins on more measurable categories — particularly annual cost. Hilton Honors American Express Surpass® may still win for your wallet depending on how you spend.
Feature
Bank of America®
Hilton Honors American
Annual Fee
$0 Best
$150/yr
Sign-up Bonus
25,000 points
130,000 points
Rewards Rate
1.5x
3x-12x
Rewards Type
Points
Points
0% Intro APR
0% for 15 billing cycles
N/A
Regular APR
19.24%-27.24% Variable Best
22.49%-29.49% Variable
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
670-850
Bank of America® Travel Rewards credit card
Pros
- 1.5x on all purchases with no annual fee
- No foreign transaction fee
- 0% intro APR for 15 billing cycles
Cons
- Lower earning rate than premium travel cards
- Points only redeem as travel statement credits
Hilton Honors American Express Surpass®
Pros
- 12x points at Hilton properties
- 6x at restaurants, supermarkets, and gas
- Automatic Hilton Gold status
- Free weekend night after $15k annual spend
Cons
- $150 annual fee
- Hilton points worth less per point than rivals
- Free night requires $15k spend to unlock
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