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Hilton Honors AMEX Surpass Card

Card Value & Hilton Honors Points Calculator

Hilton Honors American Express Surpass® Card

See Rates & Fees. Terms Apply.

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The Hilton Honors American Express Surpass® Card is the middle ground if you're for the perfect balance of points and benefits. It offers up to 30X points per $1 spent with Hilton thanks to complimentary Hilton Honors Gold status along with Priority Pass visits and the ability to earn weekend night rewards annually.

Intro Bonus: 130,000 Bonus Points + Free Night Reward

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Rewards Rates

12X

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 eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.

Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.

Learn More: Best credit cards for earning Hilton Honors points

Current Intro Bonus

Earn 130,000 Hilton Honors Bonus Points and one Free Night Reward from Hilton Honors after you spend $2,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 3 months of Card Membership.

Key Cardholder Benefits

Earn a Free Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
Receive complimentary Hilton Honors Gold Status.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.

Rewards Value

The Point Calculator values Hilton Surpass points have an average value of 0.4 to 0.6 cents each when used for award nights at Hilton brand hotels. This means that 10,000 points can be worth anywhere from $40 to $60 in cash value.

Redemption	Point Value (in cents)
Award Nights	0.4 - 0.6
Lyft Credits	0.22
Car Rentals	0.2
Amazon.com	0.2
Event Credits	0.2

Learn More: Hilton honors points value

Transfer Partners

If you're a Hilton Honors member, you have the option to transfer your Hilton Honors Surpass points to over 30 different airline partners. This is a great way to boost your frequent flyer miles if you're just a few short of a redemption, or if you're looking to use up your Hilton points.

Here's the list of Hilton transfer partners:

Calculator: Hilton Honors transfer partners + conversion calculator

Annual Fees

The Hilton Honors Surpass Card has a $95 annual fee.

Hilton Honors Points Calculator

Calculate how many Hilton Surpass points you can earn based on the monthly or yearly spending amounts you enter. Compare the results alongside up to two credit cards from any issuer.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.

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Credit Cards

Use this section to add credit cards to the calculator. You can search for a card or go through our top recommendations for each category.

Once you select a card, you'll be shown the details of the card. Any link you click on in the details will open up in a new tab, so you will not lose your calculations.

Clicking on Add Selected Card will add it to the calculator.

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Compare A Card

Add a credit card to compare side by side based on spend, benefits and fees.

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Search for a credit card by name, rewards program, or the rewards currency it earns.

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Family Cards

These cards are part of the same family and generally earn the same type of rewards.

Travel Cards

Travel credit cards are great for building rewards redeemable towards a wide variety of travel including airfare, hotels, car rentals, cruises, and more. Most travel cards also offer a range of benefits that can make your trips more enjoyable and save you money.

Cash Back Cards

Cash back is one of the most flexible form of rewards and most easy to understand. Rewards earned are worth face value and they can be used towards almost anything.

Business Cards

Put money back into your business by earning cash back, points, or miles on business expenses. Many cards also offer travel insurance, purchase protection, and more.

Airline Cards

These are the best credit cards if you're looking to use rewards towards award flights. Some of these cards also offer various benefits such as lounge access the ability to earn qualifying miles through spending.

Hotel Cards

If you're looking to use rewards towards free nights at hotels, these are the best cards for you. Many of these cards also offer great benefits such as annual free nights, complimentary elite status, and more.

No Annual Fee

If you're looking to minimize your immediate costs while still earning plenty of value, you may want to consider a credit card with no annual fee. Some of these cards also offer lower interest rates and balance transfer offers.

Intro Bonus:

Annual Fee:

Authorized User Fee:

Bonus Categories:

Add Categories - Adds any missing bonus categories from the selected card to the Category Spending section once added. Copy Spend - Copies spend values from the first column to the second/third column on card add.

Category Spending

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Calc Options

Use this section to enter how much you plan on spending either monthly or yearly across different categories for each card listed.

You can click on the option button for access to a lot of useful tools you can use to quickly adjust spending for the calculator.

Change the order of the categories in the Category Spending section. This has an impact on cards that have spend limits and bonus caps on categories.

Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.

Add Categories

Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.

Type at least 3 characters.

Currently Selected:

Spend Region:

Category Spending Total

The amount of rewards earned from card spending.

Rewards & Bonuses

If a card earns bonus points, miles, or cash back, it will be listed here. You'll be able to edit or toggle on/off most bonuses listed here.

Do note that some bonuses may be automatically calculated based on spend entered in the Category Spending section.

If you want to factor in an intro or welcome bonus, you can also do that here by entering it in the Extra Value field. You can click on View Offers when applicable to see current sign up bonuses for all top credit cards by category.

Extra Value

Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.

Extra Value

Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.

Extra Value

Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.

Rewards & Bonus Total

The amount of rewards earned from card bonuses.

Total Rewards & Cash Value

This is the total of all points, miles, and cash back earned between Loyalty & Memberships, Category Spending, and Rewards & Bonuses.

You can view the average value of the rewards based on popular redemptions and the transfer of rewards to partners (where applicable).

Rewards Average Value By Redemption

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How much is 0 worth?

Average Value

This is how much we value the rewards earned with the card on average based on our valuations. Cards that may offer bonus/additional value are reflected here.

Transfers To Partners

Redemptions to do with transferring rewards to partner loyalty programs and redeeming them for high value (when applicable). These redemption values typically require knowledge of the best transfer partners.

Cash Back, Statement Credits

Redemptions to do with turning your rewards into cash back or using it as a statement credit to offset purchases made to the card.

Travel

Redemptions to do with using your rewards towards travel such as airfare, hotels, and car rentals (not including transfers to partners).

Gift Cards

Redemptions to do with using your rewards towards the purchase of gift cards.

Reward Transfers To Partners

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Currency Worth

Enter how much you value a single rewards point or mile in cents or regional currency equivalent (X.XX). The value of cash back cannot be changed.

Rewards Cash Value

The average cash value of rewards earned in the Grand Total section based on the set Currency Worth.

Monetary Bonuses

This section lists all monetary bonuses. This includes annual credits and top-tier benefits that can offer great monetary value.

If there's a perk or benefit missing that you find valuable, you can add how much you value it in the Extra Cash Value field.

Extra Cash Value

Use this field to add additional cash value to the calculations.

Extra Cash Value

Use this field to add additional cash value to the calculations.

Extra Cash Value

Use this field to add additional cash value to the calculations.

Total Cash Value

The total cash value of all listed benefits plus the cash value of rewards earned.

Fees

With great benefits comes great annual fees. If a card has a fee that you have to pay annually (or monthly in rare cases), it will be listed here. You have the ability to change it.

If the card charges a fee for adding authorized users, it will also appear in this section.

Annual Fee

This is the fee you must pay annually to have the card.

Authorized User Fee

This is the cost to add additional users or supplemental cards to the account. Enter total amount of authorized users.

Total Card Value

This is the total cash value of each listed card when factoring in all rewards and all fees.

Learn More

Learn more about the card through our partners.

Other Ways To Earn

Hilton Honors is a direct transfer partner of one major U.S. credit card rewards program: American Express Membership Rewards. This opens up several additional credit cards that you can use to earn more Hilton Honors points via intro bonuses and everyday spending. On top of that, some cards even offer complimentary status in the Hilton Honors program!

Here's the list of programs that allow you to transfer points to Hilton Honors:

Learn More: Transfer Points To Hilton Using These Credit Card Partners

Earning Rate Comparison

Want to know how the Hilton Honors Surpass Card earning rates stack up against other Hilton and partner credit cards? The table below lists out the earning rates per $1 spent for all credit card partners so you can see where it stands.

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FAQ

What are the benefits of the Hilton Honors Surpass AMEX?

The Hilton Honors Surpass card offers a free night rewards after spending $15,000 and complimentary Hilton Honors Gold with the ability to spend your way to Hilton Honors Diamond status.

How do I earn Hilton Honors points with the Hilton Honors Surpass AMEX?

Every $1 you spend on the Hilton Honors Surpass AMEX will earn you points. These points will be deposited into your Hilton Honors account once the credit card statement ends.

What is the sign-up bonus for the Hilton Honors Surpass AMEX?

Is there an annual fee for the Hilton Honors Surpass AMEX?

The Hilton Honors Surpass AMEX has a $95 annual fee.

Are there any foreign transaction fees with the Hilton Honors Surpass AMEX?

The Hilton Honors Surpass AMEX has a 0% foreign transaction fee.

Can I transfer Hilton Honors points to other loyalty programs with the Hilton Honors Surpass AMEX?

Hilton Honors points earned with the Hilton Honors Surpass AMEX can be transferred to over 30 airline partners.

Are there any additional benefits or perks associated with the Hilton Honors Surpass AMEX?

The best benefit of the Hilton Honors Surpass AMEX Card is that you'll be able to earn 30 points per $1 spent at most Hilton brand hotels thanks to the complimentary elite status the card offers.

Can I use my Hilton Honors Surpass AMEX to earn Hilton Honors points on purchases other than hotel stays?

Yes. The Hilton Honors Surpass AMEX Card earns Hilton Honors points on all purchases made to the card.

How do I redeem my Hilton Honors points earned with the Hilton Honors Surpass AMEX?

Hilton Honors points earned with the Hilton Honors Surpass AMEX Card will have the best value when redeemed for free nights at Hilton brand hotels. Points can also be used for Lyft credits, Amazon.com purchases, and more.

Looking for the best credit cards?

We've run the calculations for you and here are our top picks for best credit cards of 2023:

Best premium card for unlimited miles: Capital One Venture X Rewards Credit Card.
Best for flexible travel rewards: Chase Sapphire Preferred® Card.
Best for everyday spend and travel: Citi Premier® Card.
Best cash back card for groceries: Blue Cash Preferred® Card from American Express.
Best for dining and supermarkets: American Express® Gold Card
Best for business travel rewards: Ink Business Preferred® Credit Card.
Best cash back business card: Capital One Spark Cash Plus

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