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American Express · credit
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Is the Hilton Surpass worth keeping when the fee hits?
Welcome offer — 130,000 Hilton Honors points after $3,000 spend in 6 months (offer varies) Inferred by source
Portal caveat — Amex Travel averages ~10.32% above booking direct; portal redemptions are worth less than the headline rate.
Apply on American Express's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
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What this card delivers across six value dimensions (0–100, normalized).
| 12× | Hilton purchases Inferred by source |
|---|---|
| 6× | US restaurants, US supermarkets & US gas Inferred by source |
| 3× | Everything else Inferred by source |
| Hilton credit | $200/yr · quarterly Inferred by source |
|---|
No lounge access.
| Hilton Honors Gold status | Complimentary status while you hold the card Inferred by source |
|---|---|
| Free Night Reward | After $15,000 in annual spend Inferred by source |
| Baggage | Checked $2,000 / carry-on $3,000 per person Inferred by source |
|---|
Using Hilton Surpass at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each advance, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Hilton Honors American Express Surpass® Card has a $150 annual fee.
Using its non-spend-gated credits fully, the Hilton Honors American Express Surpass® Card returns about $200 in value against its $150 annual fee — a net of +$50 per year. It can pay for itself if you actually use the credits.
The Hilton Honors American Express Surpass® Card earns 12x on hilton purchases, 6x on us restaurants, us supermarkets & us gas, 3x on everything else.
No — the Hilton Honors American Express Surpass® Card does not include airport lounge access.
No — the Hilton Honors American Express Surpass® Card has no foreign transaction fee, so it's a good card to use abroad.
130,000 Hilton Honors points after $3,000 spend in 6 months (offer varies). Welcome offers change frequently — confirm the current one on the issuer's page before applying.