Hilton Honors Surpass

Annual fee: $150
Network: amex
Type: personal

Earns 12X points on eligible Hilton purchases, 6X points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, and 3X points on all other eligible purchases.

Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.

Perqt Analysis

Three ways to value this card. Only one of them is yours.

01Published

$500

What the issuer advertises.

02Realistic

$300

Pays out with no hoops.

03Yours

Open your wallet

From your real spend and redemptions.

$200 of the advertised value — 40% — comes with strings attached.

Why Perqt says this

$500 advertised across 2 benefits.
$200 (40%) needs a booking, enrollment, or deadline.
Biggest credit — $200 Hilton Credit, $200 — comes with conditions.
Free Night Reward (Spend Tier) ($300) posts automatically. No hoops.
No-hoops value covers 200% of the annual fee.

Better fit if

You'll actually use $200 Hilton Credit.
You'll actually use Free Night Reward (Spend Tier).
12× on Hilton purchases matches your spend.

Probably not if

You won't use $200 Hilton Credit.
You'd forget monthly credits.

How Perqt calculates this

Welcome offer

Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership.

Est. value: $650
Minimum spend: $3,000
Within: 6 mo

Earning rates

All other purchases
3×
pts
Hilton Honors
Top earn
Hilton purchases
Purchases made directly with a hotel or resort within the Hilton portfolio
12×
pts
Hilton Honors
U.S. restaurants
At U.S. restaurants
6×
pts
Hilton Honors
U.S. supermarkets
At U.S. supermarkets
6×
pts
Hilton Honors
U.S. gas stations
At U.S. gas stations
6×
pts
Hilton Honors

On-card benefits & credits

Free Night Reward (Spend Tier)
$300
/Annual
Unlocks after $15000 calendar-year spend on the card. Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your card in a calendar year.
$200 Hilton Credit
$50
/Quarterly
Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio.
Extended Warranty
$0
/One-time
Matches the Original Manufacturer's Warranty for up to one additional year when you use your Eligible Card. Applies to warranties of 5 years or less.
Hilton Honors™ Gold Status
$0
/Annual
Enjoy complimentary Hilton Honors Gold status with benefits like an 80% Points earning Bonus on Stays, daily food and beverage credit or complimentary continental breakfast (varies by brand & region), space-available room upgrades at select properties, and more.
Baggage Insurance Plan
$0
/One-time
Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket on an Eligible Card.
Complimentary National Car Rental® Emerald Club Executive® Status
$0
/Annual
Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required.
No Foreign Transaction Fees
$0
/Annual
There are no fees for foreign transactions made with your Hilton Honors Surpass® Card.
Purchase Protection
$0
/One-time
Your Membership can help protect them for up to 90 days from the Covered Purchase date.
Hilton Honors Upgrade to Diamond Status (Spend Tier)
$0
/Annual
Unlocks after $40000 calendar-year spend on the card. Earn an upgrade to Hilton Honors Diamond status through the end of the following calendar year.

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