Hilton Honors American Express Surpass® Card
Fees
Earning Rates
- Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
- Earn 6X Hilton Honors Bonus Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 4X Hilton Honors Bonus Points for each dollar on U.S. Online Retail Purchases.
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Intro Bonus
Main Benefits
- Free Night Rewards after spending $15K during the calendar year, complimentary Hilton Honors Gold status with the ability to earn Hilton Honors Diamond after spending $40K during the calendar year, complimentary National Car Rental Emerald Club Executive Status (enrollment required) and $200 Hilton Credit (up to $50 in statement credits per quarter).
Rewards Details
- Based on our valuations, Hilton Honors Surpass points are worth 0.5 cents each on average.
- Hilton Honors points can be redeemed for award nights, Lyft credits, car rentals, purchases on Amazon.com, and event credits. Points can also be transferred to Hilton's airline partners.
Our Take
Card Details
Hilton Surpass Card earning rate
The Hilton Honors Surpass Card earns Hilton Honors points at the following rates:
- 12 points per $1 spent on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
- 6 points per $1 spent at U.S. restaurants, including takeout and delivery.
- 6 points per $1 spent at U.S. supermarkets.
- 6 points per $1 spent at U.S. gas stations.
- 4 points per $1 spent on U.S. retail purchases.
- 3 points per $1 spent on everything else.
Hilton Surpass Card points value calculator
Hilton Surpass Card benefits
Here are the benefits of the Hilton Honors Surpass Card:
- Complimentary Gold Status: Enjoy great perks like the 5th night free on standard room stays of 5+ nights booked with 100% Points and an 80% Bonus on all Base Points so you can earn free nights faster.
- $200 Hilton Credit: Get up to $200 back each year (up to $50 in statement credits each quarter) for eligible purchases made directly on the Card with a property in the Hilton portfolio.
- Free Night Reward: Earn a Free Night Reward from Hilton Honors after spending $15,000 on eligible purchases within a calendar year.
- Travel & Purchase Coverage*: Car Rental Loss and Damage Insurance, Baggage Insurance Plan, Purchase Protection, Purchase Protection, and Extended Warranty.
*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Hilton Surpass Card points transfer calculator
Hilton Surpass Card fees
Annual Fee
The Hilton Honors Surpass Card has a $150 annual fee. See Rates & Fees
If you can use the quarterly Hilton credit, you will make up for all of this fee. Credit aside, the card has good enough earning rates that can easily be worth the price tag — especially if you can make use of the complimentary status or earn the free night reward.
Authorized User Fee
There is no fee to add additional users to the Hilton Honors Surpass Card.
Foreign Transaction Fee
The Hilton Honors Surpass Card has a 0% foreign transaction fee. Most of the categories are U.S.-specific, but it's still nice to be able to earn Hilton points worldwide with no penalty fee.
Hilton Surpass Card points calculator
Calculate how many Hilton Surpass points you can earn based on the monthly or yearly spending amounts you enter. Compare the results alongside up to two credit cards from any issuer.
Card Details All links open in new tab (so you will not lose your calculations).
Edit Card Details
Edit Card Name
Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.
Quick Assign
Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.
Currency Codes
Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.
Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.
Currency Name
Add Status / Loyalty
You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.
If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.
NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.
Clear / Remove...
If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.
Card Select
Select the card you will use for this category.
Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.
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