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. Hilton's mid-tier — Gold status and an annual Hilton credit that nearly offsets the fee. An easy Gold-status play, often with the first-year fee waived.
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 | $703 | 23% | May ’26 |
PUBLIC | 130,000+ $200 credit$3k · 180d | $733 | $903 | 30% | Feb ’26 |
PUBLIC | 155,000$3k · 180d | $636 | $806 | 27% | Oct ’25 |
What you get
- Hilton credit$200per year
Up to $200 a year ($50 each quarter) in statement credits on eligible purchases made directly with Hilton properties.
- Hilton Gold status$200per year
Complimentary Hilton Honors Gold status while you hold the card — free breakfast or a daily food-and-beverage credit at most brands, room upgrades, and an 80% points bonus.
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
standard values| SUB value | +$533 |
| 130,000 Hilton × | |
| Benefits (Year 1) | +$170 |
↳ $400 at sticker value — before custom valuations Hilton credit($50/qtr × ) Hilton credit $50/qtr × $90 Hilton Gold status($200 × ) Hilton Gold status $200 × ~$80 | |
| Annual fee | $0 |
| Year 1 | $703 |
| Return for spending $3k | 23% |
Sign in to fold in your eligibility, spend-fit, and 5/24.
Related cards
Hilton Honors Surpass scores 38 here on standard point values. See where it ranks against every card, scored for your points, spend, and eligibility.
Open the ranked table →