Card economics
Hilton Honors Surpass
AmexAmexHilton HonorsGood credit
Annual fee
$150/yr
View issuer offer
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Earn rates
| Category | Rate |
|---|---|
| Dining | 6x |
| Groceries - In-Store | 6x |
| Groceries - Online | 6x |
| Gas / EV | 6x |
| Online Retail | 4x |
| Everything else | 3xBase rate |
Fee calculator
Sticker Fee
$150/yr
Credits
-$0
Effective Fee
$150
Credits & Benefits
Hilton Resort CreditConditional
Max: $200/yr · quarterly
/yr
$50/quarter at Hilton properties. Must stay at Hilton. No rollover across quarters.
Card terms verified Jul 20, 2026 against official issuer sources.
Next step
One card is a start. The optimal setup is the whole wallet.
The Hilton Honors Surpass might be great on its own, but the best combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal or is the best setup found within the time limit.
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