Hilton Point Calculators - AMEX Hilton Surpass Card

AMEX Hilton Surpass Card

12X Hilton Hotels and Resorts
6X Restaurants
6X Supermarkets
6X Gas Stations
3X Everything Else
Hilton Gold Status

The Hilton Honors Surpass Card Calculator will calculate total points and the cash value based on monthly/yearly spend, card benefits, and the annual fee. Compare the results side by side againt any card based on the same (or different) spend.

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The Hilton Surpass Card (previously known as the Hilton Honors Ascend Card) is the next step up from the Hilton Honors Credit Card. The Surpass Card offers higher earnings on all four categories for an annual fee. It also offers a higher status in the Hilton Honors Program, priority pass lounge visits, and the ability to spend your way to Hilton Diamond status.

Bonus Categories

The Hilton Surpass Card has four bonus categories. These categories consist of Hilton properties, restaurants, supermarkets, and gas stations. Below are the details of each bonus category.

12x Hilton Properties

Using the Hilton Honor Surpass Card on Hilton Properties will earn you 12 Hilton Honors Points per $1 spent. Bonus points will only be earned on purchases made directly through Hilton. Pre-paid third party bookings, vacation packages, events, and banquets will not qualify for the bonus Hilton Honors Points.

Combined with the Hilton Honors Gold Status this card offers, you will be earning a total of 30 Hilton Honors Points per $1 spent for a return of 18%! The only two cards that offer the same or better earnings is the Hilton Honors Business Card which also earns 30x on Hilton Properties with Gold Status and the Hilton Aspire Card which is Hilton's luxury card that offers 34x with Hilton's highest status level of Diamond. How much you spend on Hilton and how much time you spend in Hilton Hotels should be the deciding factor on which Hilton Card you pick up.

6x U.S. Restaurant

U.S. restaurant purchases on the Honor Surpass Card with earn 6 Hilton Honors Points per $1 spent. The bonus points will only apply to U.S. restaurants that are in the United States. This will not apply to restaurants outside of the United States even if they are owned by a U.S. company (such as Hard Rock Cafe Paris).

The extra Hilton Honors Point this card makes over the Hilton Honors Card will not make a big difference, but it can add up over time. As with the Hilton purchases, the Hilton Honors Business Card earns the same amount while the Hilton Aspire earns 7x on this category.

6x U.S. Supermarket/Grocery

Purchases made at U.S. supermarkets will earn 6 Hilton Honors Points per $1 spent with the Hilton Honors Surpass Card. American Express defines a supermarket as a merchant that's main purpose is to see a wide variety of food and household products. This includes, but not limited to, stores such as Meijer, Giant Eagle, Vons, and Winn-Dixie. Some online supermarkets are also included such as FreshDirect. Superstores, convenience stores, and warehouse clubs such as Walmart, Sam's Club, and BJ's are not considered to be supermarkets and will not earn the 6x bonus points.

This is not a big difference over the Hilton Honors Card, but over time it will add up just like the extra point on the restaurant category. The Hilton Business Card also earns the same 6x points while the Hilton Aspire earns 7x Hilton Honors Points.

6x U.S. Gas Station

Gas station purchases on the Hilton Surpass card will earn 6 Hilton Honors Points per $1 spent. American Express considers gas stations to be places that specialize in the selling of gas. So place like Exxon, Mobil, and BP will earn the 6x bonus. Places that are part of grocery stores or superstores such as GetGo and Walmart's gas stations are not eligible.

3x Non-Category

As with all the Hilton Honor Cards, the Hilton Honors Surpass Card will earn 3 Hilton Honors Points per $1 spent on all purchases that fall outside of the categories listed above. If you're looking to build Hilton Honors Points, this is a solid return of about 1.8% if you value Hilton Honors Points at 0.6 cents each. While a 2% cash back card could beat this, you would have to decide if it's worth the difference of 0.2% per $1 spent.

Perks and Benefits

Hilton Honors Gold Status

Hilton Honors Surpass Card members will receive complimentary Hilton Honors Gold Status. This status will only be for the Basic Card Member (primary cardholder) and not applicable to authorized users. Canceling the card will cancel the Hilton Gold Status if it has only been obtained by holding the card. Hilton Honors Gold is usually obtained after 20 stays, 40 nights, or earning 75,000 Hilton Honor Base Points during the year. It comes with perks such as an additional 18x Hilton Honors Points per $1 spent, complimentary room upgrades, and continental breakfast.

The Hilton Honors Business Card, AMEX Platinum Card, and AMEX Business Platinum Card also grants Hilton Gold status. Authorized users of either the Platinum or Business Platinum will also be eligible for Hilton Gold Status and Marriott Gold Elite Status amongst other elite travel perks.

Spend To Hilton Diamond

Spending $40,000+ on the Hilton Honors Surpass Card during a calendar year will upgrade you to Hilton Diamond Status. This status is usually obtained after 30 stays, 60 nights, or earning 120,000 Hilton Honor Base Points during a calendar year. It comes with perks such as an additional 20x Hilton Honors Points per $1 spent, executive lounge access, 48-hour room guarantees, and all the perks of Hilton Gold on down. The Hilton Aspire Card grants complimentary Hilton Diamond status.

Complimentary Priority Pass Visits

The Hilton Honors Surpass Card offers 10 complimentary Priority Pass lounge visits per year. Once all complimentary lounge visits are used, all subsequent lounge visits during the remainder of the same calendar year are subject to a fee of U.S. $27 per person per visit, which will be automatically charged to your Card. This benefit is only for the Basic Card member. Additional Card Members are not eligible for this benefit, but the complimentary lounge visit can be used for them.

Standard AMEX Benefits

The Surpass Card features the standard American Express Credit Card perks such as, but not limited to, AMEX Offers, access to AMEX presale tickets, return protection, roadside assistance, complimentary ShopRunner membership, extended warranty, purchase protection, and travel accident insurance.

Sign Up Bonus

The standard Hilton Surpass Card sign up bonus is 100,000 Hilton Honors Points. This bonus can earn you as many as 5 free nights for rooms that are 20,000 points a night. The Surpass Card sign up bonus is roughly worth about $600 since Hilton Honors Points are easily worth about 0.6 cents each.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The Hilton Honors Surpass Card annual fee is $95. This is on par with other entry hotel credit cards such as the Marriott Bonvoy Boundless Card and World of Hyatt Card. Thanks to the boost in the Hilton Honors bonus category along with Hilton Gold Status that comes with this card, it will only require spending about $550 to break even.

Authorized User Fee

The Hilton Honors Surpass Card does not have an authorized user fee. I would recommend adding additional users to help build Hilton Honors Points faster!

Foreign Transaction Fee

The Hilton Honors Surpass Card does not have a foreign transaction fee, so you can earn Hilton Honors Points spending overseas without worrying about being penalized.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
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0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
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Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
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Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
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Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
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This will clear the spend in all of the categories in both columns. This will also clear all saved values.
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Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

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Page Last Updated: 2019-08-15

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

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