AAdvantage Business World Elite vs Hilton Honors Surpass
AAdvantage Business World Elite
$99/yr
6.0/10
VS
Hilton Honors Surpass
$95/yr
7.0/10
Quick Answer
AAdvantage Business World Elite charges $99/yr with 1X base rewards. Hilton Honors Surpass charges $95/yr with 1X base rewards. Hilton Honors Surpass 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
Hilton Honors Surpass
Lower annual fee ($99 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
Hilton Honors Surpass wins for most people
The $4 fee difference is hard to justify unless you maximize premium benefits.
Apply for Hilton Honors SurpassPREMIUM PICK
AAdvantage Business World Elite wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for AAdvantage Business World EliteRewards Earning: Detailed Comparison
AAdvantage Business World Elite
| American Airlines purchases | 2.0X |
| Telecommunications | 2.0X |
| Car rentals | 2.0X |
| Gas stations | 2.0X |
| 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 |