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Hilton Honors American Express Surpass® Card

Hilton Honors

Welcome bonus

130,000 points

+ 1 Free Night Award ($150 each, our assumption)

≈ $735 at 0.45¢ per point, extras included

after $3,000 spend in 6 months

Annual fee$150

Value per point~0.45¢median of 6 published valuations

First-year value*$1,349easy credits counted · $1,199 with none

Year 2+ value*$614each year after the first, after the fee · $464 with no credits

$150 fee vs $200 + 1 free night in stated credits a yearFace value. You’d use $150 by our default → yearly cost after year 1 $0 ↓

Worth ~0.45¢/pt, median of 6 published valuations

AwardWallet 0.62¢
Upgraded Points 0.5¢
One Mile at a Time 0.5¢
The Points Guy 0.4¢
NerdWallet 0.4¢
Frequent Miler (RRV) 0.35¢

Range 0.35–0.62¢. No published value from Bankrate. Checked 2026-10-23. How we use these

See the offer on American Express’s site ↗ Run your own numbers

Data checked by Chris Manns · Last updated October 23, 2026

Source: American Express card page · checked October 23, 2026. *Value uses our sample profile ($31,100/yr spend, no favorite airline or hotel) and the community value of 0.45¢ per point (median of published valuations) — see method.

Credits & perks

Annual fee$150

Stated credits a year$200face value, as American Express states it · plus 1 free night

+ 1 free-night certificate (no $ value stated by the issuer)

Face value isn’t real value. A $25-a-month credit for something you’d never buy is worth $0 to you, and most credits are use-it-or-lose-it by month, quarter or half-year. Tick only what you’d spend on anyway.

Which would you actually use?

Our assumption: the boxes ticked to start are the “easy” credits: broad, flexible or automatic (general travel credits, airline-fee credits on any airline, Global Entry/TSA, anniversary free nights). Niche or single-merchant credits start unticked. Your choices are saved in this browser and also used by the calculator.

Hilton credit$200/yrup to $50 each quarter · Purchases made directly with a property in the Hilton portfolio. Quarterly, use it or lose it.niche co-brand
Free Night Reward after $15,000 spend1 night ≈ $150our assumption: $150/nightonce per calendar year · Needs $15,000 in purchases in the calendar year.easy needs $15,000/yr spend free night

Your net cost$0Yearly cost after year 1: annual fee − credits you’ll use ($150)

Year 2+ value*$614each year after the first, after the annual fee, with your ticks

First-year value*$1,349bonus + earning + credits − fee

Counts each ticked credit at 100% of face value. Global Entry/TSA counts as a quarter a year. Free nights use our point values. *At our sample profile; how credits are counted.

Perks with no stated $ value

Lounges, status, bags and similar. We don’t put a number on these unless the issuer does.

status Hilton Honors Gold status; Diamond after $40,000 spend in a calendar year
status National Car Rental Emerald Club Executive status (enrollment required)

Source: American Express card page and benefit terms · checked 2026-10-23.

How it earns

12x Hilton only Hotels (booked with the hotel)
6x Dining & takeout, Groceries, Gas & EV charging
3x everything else

4x on U.S. online retail purchases (not modeled).

Offer details

130,000 points after $3,000 in 6 months
Plus a Free Night Reward

Annual fee $150. Credits from the issuer page are in Credits & perks above.

Questions about the Hilton Honors Amex Surpass

What is the Hilton Honors Amex Surpass welcome bonus?

130,000 points after $3,000 in 6 months, about $735 at the median published point value, per American Express’s card page checked October 23, 2026.

What is the Hilton Honors Amex Surpass annual fee?

$150 a year, as listed on American Express’s page on October 23, 2026.

How much are its points worth?

About 0.45¢ each: the median of 6 published valuations (range 0.35–0.62¢), checked October 23, 2026.

What credits does the Hilton Honors Amex Surpass include?

$200 a year in stated credits at face value plus 1 free-night certificate, across 2 credits. By our default (only easy, flexible credits) you’d use $150, so the yearly cost after year 1 is $0.

Is the Hilton Honors Amex Surpass worth it?

It depends on your spending. At our sample profile ($31,100 a year, easy credits only) it comes to $1,349 in the first year and $614 each year after (Year 2+ value, after the annual fee). Enter your own numbers in the calculator.

The math at our sample profile

Sample: Dining & takeout $4,800 · Groceries $7,200 · Gas & EV charging $2,400 · Flights (booked with the airline) $2,000 · Hotels (booked with the hotel) $1,500 · Other travel $1,200 · Everything else $12,000. Credits: our default “easy” ticks.

Welcome bonus: 130,000 points × 0.45¢ + $150 extras	$735
A year of earning: 136,500 points × 0.45¢	$614
Free Night Reward after $15,000 spend	$150
Annual fee	−$150
First year / Year 2+	$1,349 / $614

Use my own spending →

Verify everything on the issuer’s site before applying; offers change and may differ for you. We don’t list APRs: see the issuer’s pricing & terms. TravelCardMath earns nothing from this card today.