Hilton Honors Surpass
American Express · Hotel review
Hilton loyalists who stay 8+ nights a year and value the automatic Hilton Gold status (mid-tier) + 12x earning on Hilton
Sorted by score, never commission
Annual fee
$150
Charged each renewal year
Ongoing APR
20.74% – 29.99% variable (Pay Over Time)
Variable — verify the current range at the issuer
Foreign transaction fee
None
Travel-friendly abroad
As of June 29, 2026
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.
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
- 20.74% – 29.99% variable (Pay Over Time)
- Foreign transaction fee
- None
- Late payment fee
- Up to $40
- Schumer Box verified
- June 29, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
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?
20.74% – 29.99% 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 whether an honest weakness is 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.
- ChaseWorth considering
The World of Hyatt Credit Card
79/100Annual fee$95Ongoing APRVariable*Foreign txn feeNoneBest forHyatt guests who value per-point redemption — an annual Category 1–4 free-night certificate that often exceeds the $95 f
Fees sourced from issuer terms · 2026-07-08
- ChaseWorth considering
IHG One Rewards Premier
76/100Annual fee$99Ongoing APR20.99–27.99%Foreign txn feeNoneBest forIHG loyalists (Holiday Inn, Crowne Plaza, Kimpton, InterContinental, Six Senses) who use the annual free-night certifica
Fees sourced from issuer terms · 2026-06-29
- ChaseWorth considering
Marriott Bonvoy Boundless
75/100Annual fee$95Ongoing APR20.99–27.99%Foreign txn feeNoneBest forMarriott guests who stay 5+ nights a year and want the annual free-night certificate (up to 35k points) — when redeemed
Fees sourced from issuer terms · 2026-06-29
