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Amex Hilton Honors Surpass vs Citi AAdvantage Platinum Select

Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.

Amex Hilton Honors Surpass card
Wins 3 of 10
Wins 3 of 10
Verdict

It's a true tie, neither dominates. Pick the one whose boost categories match where you actually spend.

Side-by-side

CriterionAmex Hilton Honors SurpassCiti AAdvantage Platinum Select
Annual fee
·
$150
$99
Joining fee
=
None
=
None
Top reward rate
12x (travel)
·
2% (travel)
Base reward rate
3x
·
1%
Forex markup
=
No FX fee
=
No FX fee
Welcome bonus
·
N/A
50,000 AA miles after $2,500 spend in 3 months
Fee waiver threshold
=
No waiver
=
No waiver
Min income
=
Not verified
=
None stated
Min credit score
·
N/A
700
Editorial rating
4.3/5
·
4/5
Apply for Amex Hilton Honors Surpass Apply for Citi AAdvantage Platinum Select

Benefits compared

Amex Hilton Honors Surpass

  • 12x Hilton Honors points at Hilton hotels and resorts
  • 6x at US restaurants, US supermarkets and US gas stations
  • 4x on US online retail purchases
  • 3x on everything else
  • Hilton Honors Gold status
  • Annual fee $150, $0 in the first year

Citi AAdvantage Platinum Select

  • 2x miles on American Airlines + dining + gas
  • 1x on everything else
  • Free first checked bag for cardholder + 4 companions
  • Preferred boarding
  • Annual fee waived first year

FAQ

›Amex Hilton Honors Surpass vs Citi AAdvantage Platinum Select: which is better?

It's a true tie, pick the one whose boost categories match your spend. Amex Hilton Honors Surpass wins on 3 criteria, Citi AAdvantage Platinum Select on 3.

›Can I get both?

Yes, if your credit profile supports it, holding both is the optimal play. Use Amex Hilton Honors Surpass for its best categories, Citi AAdvantage Platinum Select for its best categories. Just watch the combined annual fees against your spend.

›Which one has the better welcome bonus?

Amex Hilton Honors Surpass doesn't list a welcome bonus. Citi AAdvantage Platinum Select: 50,000 AA miles after $2,500 spend in 3 months.