- Benefits & Features
- What are Hilton HHonors Points Worth?
- Priority Pass Membership
- Hilton Gold/Diamond Membership
- Online Booking Bonus
- 20% Discount At EmpireCLS
- How Does the Hilton Honors Surpass® Credit Card Compare Against Other Credit Cards?
- vs Citi® Hilton HHonors™ Reserve Card
- vs Hilton Honors Card from American Express
- vs Starwood Preferred Guest® Credit Card from American Express
- Comparison Tool
The information on this page has expired. The Hilton Honors Surpass® Credit Card is no longer available and will instead be replaced by the Hilton Honors Ascend Card from American Express. You can check out the updated review here.
The Hilton Honors Surpass® Credit Card is a decent choice for consumers who spend at least $15,000 annually at restaurants, supermarkets, and gas stations. It makes sense to get this card only if you stay at Hilton Hotels. The Hilton Honors Surpass® Credit Card allows consumers to earn rewards that can be redeemed with the Hilton brand - making it it useless for those who don't do any business with the hotel chain. If you're a loyal Hilton fan, the Citi Reserve Card or the no-annual-fee version of the Amex Hilton card may be better (depending on your annual spending).
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The Hilton Honors Surpass® Credit Card is a middle-of-the-road hotel rewards card, that pales in comparison to other Hilton cards such as the Citi Reserve card. The card has a fantastic rewards rate across spending at its affiliated hotels (6%), though it lacks the any substantial long-term bonuses that we see with other cards of this type. This card does offer some decent rewards when used to shop at US restaurants, gas stations, and supermarkets.
The welcome bonus on the Amex Surpass card is 75,000 points, reached after spending $3,000 in the first 3 months of card membership. This may be enough to pay for a 1 night stay at certain Hilton locations. Prices for standard rooms tend to vary between 50k to 80k. We value this bonus at around $375, which is above average bonus, as far as hotel ones go. If your credit score is good enough, and you want to optimize your short-term gains, we recommend applying for one of the cards with a better welcome bonus.
If you are not concerned with staying loyal to the Hilton brand, and simply want a good hotel rewards credit card, we recommend the Starwood Preferred Guest® Credit Card from American Express. Unlike the Hilton Surpass Card, the Starwood Preferred Guest® Credit Card from American Express has a highly valuable and versatile rewards program. The card's bonus is also typically significantly more lucrative, making the card much better in the short-term.
Bottom Line: Unless you are a high restaurant, supermarket, and gas station spender, there is very little to be gained out of the Hilton Surpass card that isn't handled better by other credit cards – both in terms of short-term and long-term value.
With every swipe of the Hilton Honors Surpass® card, users earn points which can be redeemed for stays at the affiliated hotel chain. You can get 12 Hilton HHonors™ Bonus Points for each $1 spent at a participating hotel or resort, within the Hilton portfolio. When using this card to pay at restaurants, supermarkets, and gas stations (all within the United States), you will earn 6 points per $1. Every other purchase gets you 3 points per $1.
Whenever you use the Hilton Honors Surpass® card at Hilton properties, you will also earn Hilton HHonors points from the hotel chain if you're part of the loyalty program. The points earned through the card are added on-top. The points you earn with Hilton regardless of payment method are known as "base points".
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When consumers first apply for the Hilton Honors Surpass® Credit Card, they are presented the opportunity to earn bonus points. If you spend at least $3,000 in purchases on your Hilton Surpass card, within 3 months of account opening, you will earn 75,000 Hilton HHonors™ bonus points, which we value at $375 (more below).
We consider a single HHonors point to be worth approximately $0.006. You may have noticed that this card tends to be a lot more generous with the number of points it awards than most other credit cards– this is because these points, individually, tend to be a lot less valuable than a typical rewards point. The end rewards rate still ends up being favorable for this card, though not quite as impressive as the inflated points make it out to be.
To obtain the average value of a Hilton point, we sampled over 15 different itineraries, including stays in Chicago, Los Angeles, and New York City – all across different dates. We divided the cost of a 1-night stay in USD by the cost in HHonors points, to arrive at a value per point. For example, staying at the DoubleTree Suites by Hilton Hotel in New York City on the night of October 15th, 2015, costs $481 – or 80,000 HHonors points. The value you’d be getting there is $481 / 80,000 = $0.006.
Hilton Honors Surpass® cardholders are automatically granted membership to Priority Pass – a value of $99 per year. This membership grants people access to over 700 participating airport lounges worldwide. These lounges provide amenities to people passing through an airport – a feature which may make your next long layover slightly more enjoyable. Amenities include free WiFi, snacks, beverages, and in some cases showers. If you're frequently traveling through airports, you might find a lot of value in this kind of benefit.
Note that this benefit grants access to standard membership. This means each time you enter a lounge, your Hilton Surpass Card will still be charged a $27 visit fee (and $27 per guest).
The Hilton Honors Surpass® Credit Card comes with complimentary Gold status. The benefits of gold status include:
- A 25% boost to HHonors base points earned
- Every standard rate 5th night free, on stays of 5 nights or more
- Late check-out
- Digital check-in
- Plus all the benefits of blue & silver status which can be found here
If you spend at least $40,000 on purchases on your Hilton Honors Surpass® Card inside of one calendar year, you will be awarded Diamond status – the highest loyalty status with the hotel. Normally, to get this benefit you would need to have 30 stays, 60 qualifying miles, or earn 120,000 base points. The benefits of diamond status include a 50% point bonus on Hilton stays, room upgrades, and access to executive floor lounges at select properties (when available). Diamond status holders also receive all the benefits of gold, silver, and blue membership.
Whenever you use your Honors Surpass® Card from American Express to book a room within the Hilton portfolio online, you will be given an additional 500 bonus points. While nothing huge, it’s a nice little perk. This bonus comes out to a value of roughly $2.50, per booking.
To determine the value of the Hilton Honors Surpass® Credit Card, you should compare it against the backdrop of other available options. Below are some of this card's top competitors, and our thoughts on how this card performs when matched up against them.
The Citi® Hilton HHonors™ Reserve card is one of our favorite hotel credit cards. This card does not earn you as many points as the Amex Surpass, from spending at Hilton properties, but it more than makes up for this deficit in other ways. Every year you spend at least $10,000 in purchases using the Citi Hilton Reserve card, you will earn one free weekend night certificate. This is an extra $200-$400 (or more) each year - easily making up for the $20 difference in annual fees, between the two cards. If your spending is such that you can qualify for this benefit, we recommend this card over the Amex Surpass.
The ‘no-annual-fee’ Hilton Honors Card from American Express is a fantastic option for low spenders. The card offers significantly lower rewards on certain shopping categories. If your annual spending on restaurants, gas stations and supermarkets (combined) is higher than $15k, go for the Hilton Honors Surpass® Credit Card - the extra rewards justify paying the annual fee. Otherwise, the Hilton Honors Card from American Express will still net you rewards with the hotel chain.
If you’re looking for both a solid hotel rewards credit card and a travel rewards card, the Starwood Preferred Guest® Credit Card from American Express is a great choice. The card earns users Starpoints which, unlike HHonors points, carry a lot of value by themselves, and has a $95 annual fee (that is waived for the first year). The average value of a Starpoint is $0.024. The reason behind this greater value is, in part, the fact that the points have greater utility. Starpoints can be transferred to a number of different airlines and hotels. If you have no brand preference, the Starwood Preferred Guest® Credit Card from American Express is a better deal than the Hilton Honors Surpass® Credit Card.
To arrive at a more comprehensive credit card suggestion, it may be worthwhile to play around with our tool below. It will customize the net rewards you can expect out of each credit card, by taking into account the spending you enter.
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|Hilton Honors Card from American Express|
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More Details and Value Calculation
Terms and Limitations Apply
Estimated Rewards Through 24 Months
*The value estimate is calculated using ValuePenguin.com rewards point value.
|Citi® Hilton HHonors™ Reserve Card|
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Estimated Rewards Through 24 Months
*The value estimate is calculated using ValuePenguin.com rewards point value.
Comments and Questions
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Info about the following cards: American Express® Gold Card, Delta Reserve® Credit Card from American Express, Platinum Delta SkyMiles® Credit Card, Starwood Preferred Guest® Credit Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Preferred Credit Card from American Express, The Plenti® Credit Card from Amex, Blue from American Express®, Platinum Card® from American Express Exclusively for Mercedes-Benz, Bluebird, Centurion® Card from American Express, Hilton Honors American Express Aspire Card, Starwood Preferred Guest® American Express Luxury Card, and American Express Cash Magnet℠ Card has been collected independently by ValuePenguin. The issuer did not provide the details, nor is it responsible for their accuracy.
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How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.