Fine Print Bureau
American Express Hilton Honors Surpass
Verified 2026-10-04 against American Express Bank's own terms page.
What it costs
- Annual fee: $150
- APR range: not verified
- Foreign transaction fee: None
What you get, and what you have to do to get it
- American Express Venue Collection (calendar year)
- Baggage Insurance Plan (per trip)
- Car Rental Loss & Damage Insurance (other)
- Complimentary National Car Rental Emerald Club Executive Status (cardmember year)
- Free Night Reward (annual)
- Global Assist Hotline (other)
- Hilton Honors Diamond Status Upgrade (calendar year)
- Hilton Honors Gold Status (cardmember year)
- Hilton Statement Credit (annual)
- No Foreign Transaction Fees (other)
Only benefits whose terms have cleared review are listed — a benefit the issuer advertises but that has not been verified here is omitted rather than repeated. Per-benefit values are not shown because the underlying field mixes dollars, miles, points and insurance limits without recording which. The dollar question is answered below.
What the fee costs you regardless of use
The $150 annual fee is charged whether or not you use any of the benefits above. Against it, our Fee Reality model estimates $288 of credit value actually realized by a typical cardholder, out of $450 of advertised face value.
Modeled, confidence grade C — not a measurement of your own redemptions. See the Fee Reality Check for the credit-by-credit breakdown.
Date verified and source
Verified 2026-10-04 directly against the issuer's published terms: View American Express Bank's official terms page
Every figure above traces to a source-evidence row reviewed against the issuer's own terms page — not an aggregator. See the Fine Print Bureau methodology.