Earn 12x at Hilton hotels and 6x on everyday categories

Hilton Honors American Express Surpass® Card: Hilton Honors Points Estimator & Rewards Guide

Fees

Earning Rates

Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
Earn 6X Hilton Honors Bonus Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 4X Hilton Honors Bonus Points for each dollar on U.S. Online Retail Purchases.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.

Main Benefits

Free Night Reward after spending $15K
Complimentary Hilton Honors Gold status—spend $40K for Diamond status
Complimentary National Car Rental Emerald Club Executive Status (enrollment required)
Annual $200 Hilton Credit—up to $50 in statement credits per quarter

Our Take

The Hilton Honors American Express Surpass® Card is going to be the best option for occasional Hilton Honors trailers that can't justify the price tag of the Hilton Honors Aspire Card. The ability to earn 30X points at Hilton properties automatically thanks to complimentary Hilton Honors Gold offers a fantastic return on your hotel stays.

Last Updated: 04-15-2025

Hilton Surpass Card Points Calculator

Use this calculator to estimate how many Hilton Honors points you’ll earn with the Surpass Card based on your spending. Include hotel, dining, and supermarket spend, and weigh the value of automatic Gold status, annual credits, and travel protections.

Quick Card Overview

Calculator Options

Add Card Categories

When On, adding a card to the calculator will add that card's bonus categories if they aren't already present.

Change Card Name

Name the card something else for your own records.

Add To Column

Edit Card Name

Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.

Quick Assign

Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.

Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.

Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.

You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.

If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.

NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.

Statuses

Add To Column

Status Value Based On

Clears all spend from a single column or all columns in the calculator. This resets the spend to 0 (zero) for each field, sets the time unit back to 'Monthly' and resets the currency to column's default.

Remove all credit card selections from a single column or all columns in the calculator.

^*NOTE: This has no impact on columns that feature only one credit card.

If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.

Removes all categories from the Spend Categories section (for all columns).

Category:

Spend:

Select the card you will use for this category.

Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.

No Selection

Apply the selected card to all categories in this column.

Credit Cards

Search Cards

Search through our credit card database by keyword. This is the most basic of searches. Keywords include:

Credit card name (e.g. Chase Sapphire Reserve, American Express Gold Card)
Credit card code (e.g. PLAT, CSR, VEN)
Issuing bank (e.g. American Express, Chase, U.S. Bank)
Currency (e.g. Membership Rewards Points, Altitude Points, Delta SkyMiles)
Network (e.g. Visa, Mastercard, Discover)

Enter spaces between keywords. Click on a card to view the details as well as the option to add it to the tool.

Show Unavailable Cards

When On, credit cards that are discontinued or currently unavailable will show up in the list.

Credit Card Codes

Enter credit card codes (3-13 characters each).

Use (+) plus sign to add multiple cards to the same column. (e.g. PLAT + PRG2)
Use (,) comma to start a new column. (e.g. PLAT + PRG2, BINKP, CSR + CSP)
Skip columns with empty entries (,,). (e.g. ,, PRG2)
Spaces are ignored.
Max: 10 columns. No max on cards in a column... at the moment.

New cards will be added to the tool along with any already existing entries. When adding more than one card to a column, there will be no selected cards for the column (as in, you will have to select which cards you'll use for each category manually).

(I apologize in advance for some of the codes these credit cards have.)

Not Found:

Add All Categories

When On, adds all the spend categories from each of the cards above.

Welcome To Our Credit Card Calculator Tool

Use this tool to calculate total credit card earnings and the overall cash value of credit cards side-by-side.

To get started, to the calculator.

Currency Worth

Memberships / Loyalty

Spend Categories

Add Categories

Search for categories and click 'Add Category' to add selected categories to the calculator.

Show selected categories

When On, only shows currently selected categories.

Show category descriptions

When On, shows the descriptions for each of the categories.

Bonus Rewards

Total Rewards

Monetary Bonuses

Fees

Total Column Value

Breakdown By Card

Hilton Honors American Express Surpass® Card Details

Earning Rates

The Hilton Honors Surpass Card earns Hilton Honors points at the following rates:

12 points per $1 spent on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
6 points per $1 spent at U.S. restaurants, including takeout and delivery.
6 points per $1 spent at U.S. supermarkets.
6 points per $1 spent at U.S. gas stations.
4 points per $1 spent on U.S. retail purchases.
3 points per $1 spent on everything else.

Rewards Value & Calculator

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Key Benefits

Here are the benefits of the Hilton Honors Surpass Card:

Complimentary Gold Status: Enjoy great perks like the 5th night free on standard room stays of 5+ nights booked with 100% Points and an 80% Bonus on all Base Points so you can earn free nights faster.
$200 Hilton Credit: Get up to $200 back each year (up to $50 in statement credits each quarter) for eligible purchases made directly on the Card with a property in the Hilton portfolio.
Free Night Reward: Earn a Free Night Reward from Hilton Honors after spending $15,000 on eligible purchases within a calendar year.
Travel & Purchase Coverage^*: Car Rental Loss and Damage Insurance, Baggage Insurance Plan, Purchase Protection, Purchase Protection, and Extended Warranty.

^*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

Transfer Partners & Conversion Calculator

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Fees

Annual Fee

The Hilton Honors Surpass Card has a $150 annual fee. See Rates & Fees

If you can use the quarterly Hilton credit, you will make up for all of this fee. Credit aside, the card has good enough earning rates that can easily be worth the price tag — especially if you can make use of the complimentary status or earn the free night reward.

Authorized User Fee

There is no fee to add additional users to the Hilton Honors Surpass Card.

Foreign Transaction Fee

The Hilton Honors Surpass Card has a 0% foreign transaction fee. Most of the categories are U.S.-specific, but it's still nice to be able to earn Hilton points worldwide with no penalty fee.