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Hilton’s mid-level co-branded credit card, the Hilton Honors American Express Surpass® Card, comes with a slew of perks and a $150 annual fee. Terms apply. (see rates and fees.)
Whether the card is worth that fee will depend on your travel habits, and whether you'll take full advantage of the card's travel perks and cost-saving benefits.
» Learn more: How to build the best Hilton credit card strategy
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Benefits of the Hilton Honors American Express Surpass® Card
Welcome bonus
Earn 130,000 Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer Ends 4/15/2026. Terms Apply.
Earning rates
- Earn 12 points per dollar on eligible Hilton purchases.
- Earn 6 points per dollar on eligible purchases at U.S. restaurants, supermarkets and gas stations.
- Earn 4 points per dollar on U.S. online retail purchases.
- Earn 3 points per dollar on other purchases.
Terms apply.
Other notable benefits
- Automatic Hilton Honors™ Gold elite status. If the cardholder spends more than $40,000 in a calendar year on the card, they will earn Hilton Honors™ Diamond status.
- $200 annually in statement credits, issued as $50 per quarter.
- A Free Night Reward if the cardholder spends more than $15,000 in a calendar year on the card.
- Executive Elite status with National Car Rental’s Emerald Club loyalty program
- No foreign transaction fees.
Terms apply.
» Learn more: Hilton Honors: The complete guide
How to make the math work for you
Use your bonus points for stays
Let’s start off by talking about what you could get with those points from the welcome offer
NerdWallet values Hilton Honors points at 0.4 cent each when redeemed for an award stay. Use our calculator to find out how much the welcome offer is worth.
The points from the welcome bonus could conceivably get a member several nights at a lower-cost property or even one or two at some high end properties.
For example, it could cover two nights at the Rome Cavalieri, A Waldorf Astoria Hotel, which has a nightly rate of about 770 euros (about $812 USD). The bonus could also be redeemed for a few nights at the Hilton Playa del Carmen, an all-inclusive adults only resort in Mexico (56,000 points nightly). That’s compared to a $532 nightly rate.
🤓 Nerdy Tip
Hilton’s points prices fluctuate dynamically for hotel stays, depending on factors like cash price and demand. Be sure to check the cash rate against the points rate using NerdWallet’s points and miles vs. cash calculator. » Learn more: Your guide to booking award nights with Hilton Honors
Take advantage of a free night and $200 in credits at Hilton hotels
One of the most surefire ways to get the most out of the Hilton Honors American Express Surpass® Card is to earn the free night and take advantage of the statement credits. Terms apply.
Cardholders who spend at least $15,000 in a calendar year are eligible for one free, standard night redemption at thousands of Hilton properties around the world (with some exclusions). Terms apply. That could equate to hundreds of dollars in savings, particularly if cardholders redeem it at a higher-end property.
On top of that, cardholders can earn up to $200 in statement credits on charges with Hilton paid for with the card. Since the credits are capped at $50 per quarter, taking full advantage of this benefit requires travelers to spend with Hilton somewhat regularly. They won’t be able to earn all $200 back on one $250 hotel stay. Terms apply.
But if both benefits are used fully, the savings from these two Hilton benefits alone could surpass the card’s annual fee.
Use your elite status
Hilton Honors™ Gold elite status affords cardholders some perks: bonus points on most Hilton purchases, complimentary upgrades, the “fifth night free” benefit when paying for a stay with points and waived resort fees. Terms apply.
NerdWallet found the average resort fee among hotels that charge them is $42.41 per night, so with a five night award stay, the cardholder could save about $210 per night and get a 20% discount on the number of points needed. It’s a win-win for cardholders and the savings on resort fees alone could offset the annual fee in this scenario.
Avoid foreign transaction fees
Don’t forget, the Hilton Honors American Express Surpass® Card also helps members save thanks to it having no foreign transaction fees. Terms apply.
For anyone who plans to make credit card charges outside the country, that’s money in the bank, saving you around 3% over the fees some other cards charge. (Keep in mind that American Express cards are not accepted as widely abroad as Visa and Mastercard, so you’ll want to make sure you travel with a backup.)
If you're considering the Hilton Honors American Express Surpass® Card ...
For travelers who plan to stay at Hilton portfolio hotels in the future, the accelerated points earning that come with this card are a key factor to consider. For every $1 members charge on the card at a Hilton property, they’ll earn 12 Hilton Honors points.
That’s on top of the points earned from the stay itself, just for being a Hilton Honors member — plus, with the card, the member is also upgraded to Gold status (which will accelerate their points earning at Hilton hotels even further).
The Hilton Honors American Express Surpass® Card comes with automatic Gold status in the Hilton Honors program, and members who spend $40,000 a year, will get upgraded to Diamond status.
Plus, members who can fully take advantage of the free night reward (after spending $15,000 in a calendar year) and $200 in Hilton credits ($50 per quarter) will be come out ahead despite the higher $150 annual fee.
To view rates and fees of the Hilton Honors American Express Surpass® Card, see this page.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2026:
- Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
- No annual fee: Wells Fargo Autograph® Card
- Flat-rate travel rewards: Capital One Venture Rewards Credit Card
- Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
- Luxury perks: American Express Platinum Card®
- Business travelers: Ink Business Preferred® Credit Card
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