Hilton loyalists who stay 8+ nights a year and value the automatic Hilton Gold status (mid-tier) + 12x earning on Hilton stays + annual free-night certificate after $15k of spend.

Not for

Anyone whose Hilton stays don't hit 8 nights/yr at properties where Gold-status perks matter, and travelers who prefer Hyatt's stronger redemption-per-point ratio.

The catch

The $200/year quarterly Hilton resort credit ($50/qtr) and the $15k-spend free-night cert are the load-bearing AF math. If you can't reliably spend $15k on the card to unlock the cert, the $150 AF eats most of the value.

Card facts

Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.

Product specs

Annual fee: $150
Ongoing APR: 19.49% – 28.49% variable (Pay Over Time)
Foreign transaction fee: None
Late payment fee: Up to $40
Schumer Box sourced: July 16, 2026

How we scored this card

See our published methodology — 5 dimensions, 0–20 each, 100-point total.

Effective rewards rate14 / 20

Fee structure14 / 20

Audience fit15 / 20

Transparency and trust15 / 20

The weakness, named17 / 20

Total75 / 100 · Worth considering

Card alerts

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Frequently asked

Is the Hilton Honors Surpass's $150 annual fee worth it?

The Hilton Honors Surpass charges a $150 annual fee. In our review it earns a fees score of 14/20 — the "How we scored this card" section below shows how we weigh that against the rewards and benefits. Hilton loyalists who stay 8+ nights a year and value the automatic Hilton Gold status (mid-tier) + 12x earning on Hilton stays + annual free-night certificate after $15k of spend.

What APR does the Hilton Honors Surpass charge?

19.49% – 28.49% variable (Pay Over Time). APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.

Does the Hilton Honors Surpass charge foreign transaction fees?

No. The Hilton Honors Surpass has no foreign transaction fee, so it works cleanly for purchases abroad.

Who is the Hilton Honors Surpass best for?

Hilton loyalists who stay 8+ nights a year and value the automatic Hilton Gold status (mid-tier) + 12x earning on Hilton stays + annual free-night certificate after $15k of spend.

Who should skip the Hilton Honors Surpass?

Anyone whose Hilton stays don't hit 8 nights/yr at properties where Gold-status perks matter, and travelers who prefer Hyatt's stronger redemption-per-point ratio.

How did ClearValue score the Hilton Honors Surpass?

Hilton Honors Surpass scored 75/100 — "Worth considering". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and the weakness named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.

Alternatives to the Hilton Honors Surpass

Other hotel cards we've scored, ranked by our methodology.

Compare the Hilton Honors Surpass to

Marriott Bonvoy Boundless vs Hilton Honors Surpass

This review carries no partner link and earns nothing from what you read here — our scoring is never influenced by compensation, and reflects only our published rubric. When you use our match tool, we may be paid by a partner (CardRatings) if you continue with a card from there. See our methodology and disclosure.

Hilton Honors Surpass75/100 · Worth considering

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Hilton Honors Surpass