American Express
Hilton Honors Surpass
$150 annual fee (waived the first year)
A card is only “good” relative to yourspending. Run your numbers and we'll show this card's honest annual value for you — including the credits you'd actually use and the ones you wouldn't.
See what it's worth for meEarning
- 12x Hotels (Hilton only)
- 6x Dining out, Food delivery
- 6x Groceries (A regular supermarket (Kroger, Safeway, Publix…) / Specialty / farmers markets only)
- 6x Gas
- 4x Online shopping, Amazon
- 3x everything else
Credits
- $200 Hilton credit ($50 quarterly)
Worth weighing (we don't score these)
- Hilton Gold status. Daily food-and-beverage credits and upgrades at Hilton stays.
- Free-night reward after $15k annual spend. Real value for heavy spenders — conditional, so not in the math.
Official card page ↗Details last verified 2026-07-04
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