Amex
Hilton Honors American Express Surpass Card
Annual Fee
$150
Sign-up Bonus
130,000 pts
Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 12x on hotels (catalog median is 2x)
- 6x on other travel (catalog median is 2x)
- 6x on dining (catalog median is 2x)
- Credits worth about $100/yr at typical usage offset 67% of the fee
Is the $150 Fee Worth It?
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$508/yr
$558 rewards + $100 credits - $150 fee
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$565/yr
$615 rewards + $100 credits - $150 fee
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$748/yr
$798 rewards + $100 credits - $150 fee
Rewards by Category
Dining
6x
Grocery
6x
Gas
6x
Flights
3x
Hotels
12x
Other Travel
6x
Online Shopping
3x
Rideshare
3x
Streaming
3x
Amazon
3x
Other
3x
Apple
3x
Cell Phone
3x
Fast Food
6x
Home Utilities
3x
Internet
3x
Walmart
3x
Point value: 0.5 cents per point
The Fine Print That Changes the Math
12x at Hilton hotels, 6x at U.S. restaurants/supermarkets/gas, 3x everywhere else. Automatic Gold status. Free Night Reward after $15k spend.
Benefits & Credits
Free Night Reward (after $15k spend)$250
We count this at 40% of face value (typical usage)
Conditional on $15k annual spend. Conservative default_pct=40 to weight against users below threshold; raise if user explicitly hits it.
Hilton Honors American Express Surpass Card FAQ
What is the Hilton Honors American Express Surpass Card annual fee?
The Hilton Honors American Express Surpass Card has a $150 annual fee. Statement credits worth about $100/yr at typical usage reduce the effective cost.
What is the Hilton Honors American Express Surpass Card signup bonus?
130,000 points for new cardholders meeting the minimum spend. Check the issuer's site for the current offer.
What are the best spending categories for the Hilton Honors American Express Surpass Card?
12x on hotels, 6x on other travel, 6x on dining. Everything else earns 3x.
Is the Hilton Honors American Express Surpass Card worth the annual fee?
At a typical $24,000/yr spending profile, it nets about $508/yr after the fee. Your own spending mix decides it; run the numbers in the optimizer.
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Is Hilton Honors American Express Surpass Card Right for You?
Run your personalized optimization to see how this card fits into your wallet and how much you could earn based on your actual spending.
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