Hilton Honors American Express Surpass® vs. Bank of America® Customized Cash Rewards
Side-by-side comparison · Updated 2026 · Independently reviewed
Hilton Honors American Express Surpass®
American Express
4.3
130,000 bonus points. 12x at Hilton. 6x at restaurants, supermarkets, gas.
Full review →
Bank of America® Customized Cash Rewards
Bank of America
4.3
3% in your choice category. 2% at grocery/wholesale. No annual fee.
Full review →WealthSpott Verdict
Bank of America® Customized Cash Rewards wins on more measurable categories — particularly annual cost. Hilton Honors American Express Surpass® may still win for your wallet depending on your spending patterns.
Feature
Hilton Honors American
Bank of America®
Annual Fee
$150/yr
$0 Best
Sign-up Bonus
130,000 points
$200
Rewards Rate
3x-12x
1%-3%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
0% for 15 billing cycles
Regular APR
22.49%-29.49% Variable
19.24%-29.24% Variable Best
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
670-850
670-850
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
Bank of America® Customized Cash Rewards
Pros
- 3% on your choice category (gas, dining, online, etc.)
- 2% at grocery stores and wholesale clubs
- No annual fee
- Boostable with Preferred Rewards (up to 75%)
Cons
- 3% foreign transaction fee
- 3% choice category caps at $2,500/quarter
- Must actively choose your category
Not sure which card is right for you?
Browse all credit cards