Last updated: 7/23/2021

American Express Hilton Honors Surpass

Earns: Hilton Honors

GigaTake:

Hilton points are less valuable than most hotel points, but it’s worth considering this card because you get so many of them for everyday spending (3 points per dollar)—and that goes double (6 points) for every dollar spent on dining, groceries and gas.

Here’s how much you would earn with this card

(Based on spending from {{earliestTransactionDate | date}} through {{latestTransactionDate | date}})

You could earn Worth Plus Welcome Bonus Total
{{totalPointsYouCouldEarn | number}} Hilton Honors
per year
${{totalPointsYouCouldEarnValue | number}} {{welcomeBonus | number}} points
worth ${{welcomeBonusValue | number}}
${{totalValueToUser | number}}

How’d we figure that out?

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${{basePointsAmount | number}} All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x)

${{merchantBonusAmount | number}}{{ merchantsBonusLabels | commaSeparate }} ({{merchantsBonusAmounts[0].multiplier}}%x)

${{categoryBonusAmount.bonus | number}}{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)

${{categoryDiscount.discount | number}}{{categoryDiscount.category}} Credit

${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus


Annual Fee${{annualFeeAmount | number}}

All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x) ${{basePointsAmount | number}}

Merchant Bonus ({{merchantsBonusAmounts[0].multiplier}}%x)${{merchantBonusAmount | number}}

{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)${{categoryBonusAmount.bonus | number}}

Welcome Bonus${{welcomeBonusAmount | number}}

Pros

  • Good rewards rates (6 points per dollar) on dining, groceries and gas.
  • Comes with complimentary Hilton Honors Gold status.
  • One free night per year if you spend $15,000 per year.

Cons

  • $95 annual fee.
  • Hilton points are relatively less valuable.

See how the American Express Hilton Honors Surpass compares to other credit cards

American Express Hilton Honors Surpass Other Cards


Hover the dots to view other Credit Cards

Reward Rate = 6x

Value = 0.4 cents per point
Effective Value = 2.4 %

0%
7%

Reward Rate = 6x

Value = 0.4 cents per point
Effective Value = 2.4 %

0%
7%

Reward Rate = 6x

Value = 0.4 cents per point
Effective Value = 2.4 %

0%
6%

Reward Rate = 3x

Value = 0.4 cents per point
Effective Value = 1.2 %

0%
3%

Welcome Bonus = 125,000

Value = 0.4 cents per point
Effective Value = $500

$0
$1800

Annual Fee = $95

$0
$995
Welcome Bonus
125,000

OK

Bonus Rating

Points

After you spend $2,000 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
6x Dining

Good

good

Good

In the top 50% of cards.

6x U.S. Supermarkets

Very Good

very good

6x Gas

Very Good

very good

12x Hilton

Excellent

excellent

Excellent

In the top 15% of cards.

3x All Other

OK

OK

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
Hilton Honors
Gigapoints Value
.4¢ per point
0.4¢ PER POINT
2¢+ PER POINT
Annual Fee
  • $95
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

Additional perks of owning this card

Complimentary Gold Status

Enjoy complimentary Hilton Honors Gold status with your Hilton Honors Surpass® Card. Plus, spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.

Weekend Night Reward

Earn a Free Weekend Night Reward from Hilton Honors when you spend $15,000 on eligible purchases on your Card in a calendar year.

The Fine Print

PURCHASES APR 15.74% to 24.74%
BALANCE TRANSFER FEE Either $5 or 3% of the amount of each transfer, whichever is greater.
CASH ADVANCE APR 25.24%
CASH ADVANCE FEE Either $10 or 5% of the amount of each transaction, whichever is greater.
LATE PAYMENTS Up to $40
FOREIGN TRANSACTION FEE 0%