Hilton Honors Surpass Review 2026
Hilton Surpass is a mid-tier hotel card with useful Hilton credits and automatic Gold status. The card makes the most sense for travelers who can use quarterly Hilton credits.
Your card estimate
Net first-year value
First year
+$800
Base rewards + bonus - fee - interest drag
Ongoing year
+$150
Excludes one-time welcome offer
This card’s headline rate applies to bonus categories, not all spend. The figures above use a conservative $300 base; maxing the bonus categories could earn up to $3,600 in rewards.
SwitchWize take
Rewards credit card
Bonus value
$650
Rewards
12x points
Annual fee
$150
APR
20.24%-29.24%
Pros & cons
- Annual Hilton credits can exceed fee
- Automatic Hilton Gold status
- Strong Hilton and grocery earning
- No foreign transaction fee
- Quarterly credits require tracking
- Free night requires $15,000 spend
- Hilton points have lower cent value
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
Product card image shown
$150 annual fee
20.24%-29.24% variable
Spend requirement: $3,000 in first 6 months
American Express terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
If you carry a balance, compare payoff cost before rewards. Interest can erase rewards quickly.
Quarterly credits require tracking
Comparison set