AAA Travel Advantage vs Hilton Honors Surpass
AAA Travel Advantage
$0/yr
7.0/10
VS
Hilton Honors Surpass
$95/yr
7.0/10
Quick Answer
AAA Travel Advantage charges no annual fee with 1X base rewards. Hilton Honors Surpass charges $95/yr with 1X base rewards. AAA Travel Advantage offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
AAA Travel Advantage
Lower annual fee ($0 vs $95)
Rewards Earning
Hilton Honors Surpass
6 earning categories
Benefits & Protection
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Visit each card's review for full benefits list
Flexibility
Hilton Honors Surpass
Transferable points to airline/hotel partners
OUR PICK
AAA Travel Advantage wins for most people
The $95 fee difference is hard to justify unless you maximize premium benefits.
Apply for AAA Travel AdvantagePREMIUM PICK
Hilton Honors Surpass wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Hilton Honors SurpassRewards Earning: Detailed Comparison
AAA Travel Advantage
| Travel (via AAA Travel) | 5.0X |
| Gas stations & EV charging | 3.0X |
| Grocery stores | 3.0X |
| Everything else | 1.0X |
Hilton Honors Surpass
| Hilton hotels | 12.0X |
| US restaurants | 6.0X |
| US supermarkets | 6.0X |
| US gas stations | 6.0X |
| US online retail | 4.0X |
| Everything else | 3.0X |