American Express
Hilton Honors Surpass
What it is
The Hilton Honors Surpass is an American Express card earning Hilton Honors points. Its ongoing value can outweigh the annual fee, making it a potential keeper past year one. The Hilton mid-tier: Gold status and a $200 annual Hilton credit that nearly offsets the fee. A churn-friendly Gold-status play, with the AF often waived year one.
Offer history
Value is the welcome bonus at your valuations. The Year 1 total also counts recurring benefits and subtracts the annual fee. Spend / mo (the dashed line, right axis) is the monthly pace to clear the minimum spend in time — shown on every view so the spend stays in context.
| Offer | Bonus | Value | Year 1 | Return | Date |
|---|---|---|---|---|---|
PUBLIC | 130,000$3k · 180d | $533 | $713 | 18% | May ’26 |
PUBLIC | 130,000+ $200 credit$3k · 180d | $733 | $913 | 24% | Feb ’26 |
PUBLIC | 155,000$3k · 180d | $636 | $816 | 21% | Oct ’25 |
What you get
- Hilton credit$200per year
$50/quarter ($200/yr) at Hilton properties.
- Hilton Gold status$200per year
Complimentary Gold (breakfast credit, upgrades, 80% bonus pts).
Dollar figures are the benefit’s face value. What it’s worth to you — after realistic usage and your own point values — is in the receipt below.
The receipt
default values| SUB value | +$533 |
| 130,000 Hilton × 0.41¢/pt | |
| Ongoing benefits (yr 1) | +$180 |
Hilton credit($50/qtr × 50%) Hilton credit $50/qtr × 50% $100 Hilton Gold status($200 × 40%) Hilton Gold status $200 × 40% $80 | |
| Annual fee | $0 |
| Year 1 | $713 |
| Return on $3k MSR | 18% |
Your score sharpens once you sign in — we add eligibility, spend-fit, and 5/24.
Related cards
Hilton Honors Surpass scores 42 here on default point values. See where it ranks against every card, scored for your points, spend, and eligibility.
Open the ranked table →