American Express · Personal card
Hilton Honors American Express Surpass Card
The Hilton Honors American Express Surpass Card has a $150 annual fee and one statement credit, worth up to $200 a year. None of them need enrollment.
- Annual fee
- $150
- Charged on your account anniversary
- Credits a year
- Up to $200
- 1 statement credit, used in full
- Need enrollment
- None
- Every benefit applies on its own
Every credit, and when it resets
Amounts are per period. The last column is what each credit adds up to in a year if you use it every time.
| Credit | Amount | Resets | A year |
|---|---|---|---|
| Quarterly Hilton credit$50 a quarter. Every quarter (January, April, July, October) | $50 a quarter | Every quarter (January, April, July, October) | $200 |
| Total a year, if you use every credit | $200 |
What people get wrong
- Nothing rolls over. Whatever is unused when a period ends is gone, so a monthly credit missed in March can't be used in April.
Questions about the Hilton Surpass
What is the annual fee on the Hilton Honors American Express Surpass Card?
$150 a year, charged each year on your account anniversary.
How much are the Hilton Surpass credits worth?
Up to $200 a year, from one statement credit: Quarterly Hilton credit ($200).
Which Hilton Surpass benefits need enrollment?
None. Every Hilton Surpass benefit applies without enrolling.
When do the Hilton Surpass credits reset?
Quarterly credits reset on January 1, April 1, July 1 and October 1. Unused credit does not roll over.
Is the Hilton Surpass worth the $150 fee?
On credits alone, only if you use at least 75% of them. They add up to $200 a year against the $150 fee, but each is tied to a merchant and a period, so what counts is the ones you would use anyway.
What points does the Hilton Surpass earn?
Hilton Honors points, worth about 0.43 cents each in a typical redemption.
