Hilton Surpass AMEX Card Calculator

Card Details & Hilton Point Calculator
12X Hilton Hotels and Resorts
6X Restaurants
6X Supermarkets
6X Gas Stations
3X Everything Else
Hilton Gold Status
Hilton Diamond Status w/ $40k Spend
Priority Pass Visits (10)
Free Weekend Night w/ Spend

Before you apply for the Hilton Surpass AMEX Card, calculate total points and cash value based on spend, benefits, and fees. Compare against top cards.

The Hilton Surpass AMEX Card is the perfect middle ground for those who want to earn a little more than what the Hilton Honors Card offers while not wanting all the bells and whistles of the Hilton Aspire Card. It earns a great return across several categories and grants complimentary Hilton Gold status.

This card was previously known as the Hilton Honors Ascend Card.

Bonus Categories

The Hilton Surpass AMEX Card has four bonus categories. These categories consist of Hilton properties, restaurants, supermarkets, and gas stations. There's no limit on the amount of bonus Hilton Honors Points you can earn spending in these categories and no limit to the amount on Hilton Honors Points you can earn with the Hilton Surpass AMEX Card overall.

  • 12x Hilton
    • Includes hotel bookings and incidental charges made at the hotel such as restaurant, spa, and other charges.
  • 6x U.S. Restaurant
  • 6x U.S. Supermarket/Grocery
    • Applies to your standard supermarkets/groceries as well as some online supermarkets such as FreshDirect.
    • Does not apply to superstores, convenience stores, and warehouse clubs (Walmart, Sam's Club, 7-Eleven).
  • 6x U.S. Gas Station
  • 3x Non-Category

Perks & Benefits

The Hilton Surpass AMEX Card has a nice bit of useful benefits which includes complimentary Hilton Honors Gold and a bunch of complimentary priority pass visits.

  • Hilton Honors Gold Status
    • Grants a total of 30x Hilton Honors Points (10x base points, 8x status points, 12x this card).
  • Spend To Hilton Diamond
    • Spend $40,000+ to earn complimentary Hilton Honors Diamond.
    • Can be obtained complimentary by holding the Hilton Aspire Card.
  • Priority Pass Visits
    • Receive 10 complimentary Priority Pass lounge visits per year.
    • Lounge access will cost $27 per person, per visit after passes have been used up and will be charged to your Surpass Card.
    • Authorized users cannot use lounge visits, but the complimentary passes can be used for them if they are with the cardholder.
  • Weekend Night Reward w/ Spend
    • Spend $15,000+ to earn a free weekend night reward.
    • Reward is in the form of a redeemable code via email and must be used within a year of issue date.
    • A Weekend night is defined as Friday, Saturday, or Sunday.
  • ShopRunner Membership
  • AMEX Benefits
    • AMEX Offers
    • AMEX Presale Tickets
    • AMEX Seating & Preferred Seating
    • AMEX Experiences
  • Travel and Purchase Coverage

Sign Up Bonus (SUB)

The standard sign up bonus for the Hilton Surpass AMEX Card 100,000 Hilton Honors Points after spending $1,000 on the card. This should easily be able to get you 2-4 free nights when used at Hilton hotels.

hilton honors 125000 sub
You can get some good sign up bonuses with the Hilton Surpass AMEX Card.

You can typically get high sign up bonuses on this card. I would aim for at least 125,000 Hilton Honors Points if you can. If you get it to pop up, I recommend applying if this card is on your 'to get' list.


Annual Fee

The Hilton Surpass AMEX Card annual fee is $95. With the 12x earnings on Hilton spend along with the complimentary Hilton Honors Gold and Priority Pass visits, I'd say that this card can be worth the fee.

Authorized User Fee

The Hilton Surpass AMEX Card does not have an authorized user fee. The card has a nice selection of bonus categories, so I would recommend adding additional users to help build your Hilton Honors Points faster.

Foreign Transaction Fee

The Hilton Surpass AMEX Card does not have a foreign transaction fee, so you can earn Hilton Honors Points spending internationally without worrying about being penalized. You'll typically earn at the non-category rate of 3x since most of the categories on the card are tied to U.S. spending.

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 other rewards card side-by-side by clicking on the Compare A Card button.
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Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
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Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
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Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
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Cash Value
Cash value of total earnings based on currency worth.
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
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Annual Fee
Auth User Fee
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Annual Fee
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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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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