American Express
Hilton Honors Surpass Card
Hilton Honors Surpass Card costs $150 annual fee and earns up to 12× on travel booked direct. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.
Enter a typical month of spending to see what the Hilton Honors Surpass Card returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.
- Annual fee
- $150 annual fee
- Best earn rate
- 12× travel booked direct
- Points value
- 0.5¢ a point
- Welcome bonus
- 130,000 points
- About $650 if you redeem at 0.5¢ a point, and only if you clear the spending requirement.
- Foreign transaction fee
- none
What the Hilton Honors Surpass Card earns
Hotels and rental cars through the issuer's travel site
12×
Only through the issuer's portal
Flights and hotels booked direct
12×
Dining
6×
U.S. supermarkets
6×
Gas and EV charging
6×
Advertising
4×
| Category | Rate | Conditions |
|---|---|---|
| Hotels and rental cars through the issuer's travel site | 12× | Only through the issuer's portal |
| Flights and hotels booked direct | 12× | |
| Dining | 6× | |
| U.S. supermarkets | 6× | |
| Gas and EV charging | 6× | |
| Advertising | 4× |
Rates checked with the issuer in October 2026. Spending outside these categories earns 3×. Confirm current terms with the issuer before you apply.
Is the Hilton Honors Surpass Card right for you?
Enter a typical month. You will see what the Hilton Honors Surpass Card returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.
Estimated rewards per year, after the annual fee
Hilton Honors Card Top for your numbers
7× travel booked direct, 5× dining; 1× everything else. No annual fee.
Rewards $523 · No annual fee
+$523
12× travel booked direct, 6× dining; 1× everything else. $150 annual fee.
Rewards $623 · Fee −$150
+$473
2× dining, 2× groceries; 1× everything else. $150 annual fee.
Rewards $474 · Fee −$150
+$324
14× travel booked direct, 7× dining; 1× everything else. $550 annual fee.
Rewards $571 · Fee −$550
+$21
How we estimate
- Every rate on this page comes from the card catalog. Hilton Honors Surpass Card pays 3× on spending outside the bonus categories listed above, and up to 12× on travel booked direct.
- We value this card's points at 0.5¢ each. Cash back is valued at 1¢.
- Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
- Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
- Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
- Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
- Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.
One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.
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Welcome bonus
130,000 points
About $650 if you redeem at 0.5¢ a point, and only if you clear the spending requirement.
Points and partners
Hilton Honors Points
No
Hotels
Hilton
Where this data came from
Checked americanexpress.com 2026-10-05. $150 annual fee, waived the first year. 12x Hilton hotels, 6x dining, groceries and gas, 4x U.S. online retail, 3x base. The row previously modeled 4x as the base rate and left online retail out. National Car Rental Emerald Club Executive status is new and not modeled.
FAQ
The Hilton Honors Surpass Card charges $150 a year. Earning back $150 means about $278 a month on travel booked direct, where it earns 4.5¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest.
12× on travel booked direct, and 3× on spending outside its bonus categories.
It depends on your mix, not the card. Earning back $150 means about $278 a month on travel booked direct, where it earns 4.5¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.
The listed welcome offer is 130,000 points, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply. At 0.5¢ a point that is about $650, before you count the annual fee and whether you would clear the spending requirement for it.
No. The Hilton Honors Surpass Card earns Hilton Honors Points that you redeem for statement credit or shopping rather than transferring to a partner, so its realistic value is about 0.5¢ a point. Hotels: Hilton.
No. The Hilton Honors Surpass Card charges no foreign transaction fee, so spending abroad earns at the same rate as at home, minus what the merchant adds.