Card economics
Hilton Honors Surpass
Annual fee
$150/yr
Foreign transaction fee
None
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Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
Points or cash back earned per dollar spent. 'x' means points multiplier, '%' means cash back percentage. Portal-only rates require booking through the issuer's travel portal.| Category | Rate |
|---|---|
| Hilton Properties | 12x |
| Dining | 6x |
| Groceries — in store | 6x |
| Groceries — online | 6x |
| Gas stations (excluding Costco Gas) | 6x |
| Online retail | 4x |
| Everything else | 3xBase rate |
Benefits not in the math
Perks whose value depends on how you travel — lounges, free bags, status. The optimizer counts them only when a Premium perk-value profile assigns them a dollar value, once per wallet; with no profile they are worth $0 in every figure.Hotel elite status
Complimentary Hilton Honors Gold status, upgraded to Diamond after $40,000 in eligible purchases in a calendar year.
Issuer sourceCounted at $0 unless you assign a value in a Premium perk-value profile.
Fee calculator
The effective fee is the annual fee minus credits you'll actually use. A $550 card with $400 in usable credits has an effective fee of $150. Adjust credit values based on how much you'll realistically use.Sticker Fee
$150/yr
Credits
-$0
Effective FeeWhat you actually pay after subtracting credits you use. This is the real cost of holding the card — the number that matters for optimization.
$150
Credits & Benefits
Adjust each credit's value based on how much you'll realistically use. 'Easy' credits are straightforward to use (dining, streaming). 'Conditional' credits may require specific merchants or booking methods.Max: $200/yr · counted per year; paid quarterly
$50/quarter ($200/yr) on eligible purchases charged directly with a property within the Hilton portfolio, including incidental charges. No rollover across quarters.
Adds this card to your current wallet and keeps your spending. Premium uses your edited credit values; Free uses conservative defaults. The optimizer may recommend a different wallet.
Catalog record last reviewed Oct 11, 2026; see the Corrections page for later changes. Issuer terms and available offers control and may change.
Next step
One card is a start. The modeled setup is the whole wallet.
The Hilton Honors Surpass might be useful on its own, but the modeled combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal within that run's inputs or is the strongest valid setup found before timeout.