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100,000 point Hilton HHonors Surpass bonus – is it worth the $75?

by on Wed August 31, 2016 • 6 Comments

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The Hilton HHonors Surpass American Express is out with a 100,000 point offer that’s a new high for a limited time.

Every so often the Hilton HHonors Surpass American Express comes out with a big 85,000 point offer.

It went away at the end of last summer, and there was a smaller 80,000 point offer in the interim, but now it’s upping the game to a full 100,000 points.

You can earn the points by spending $3,000 within the first 3 months of card membership.


There is a $75 annual fee, which makes this a less exciting deal, but you get instant Hilton HHonors Gold VIP status for holding the card.

This is the largest public deal we’ve seen for this card, so if you’re been holding off, give it a shot now, though if you recently got in on the 85,000 point deal don’t count on Amex matching this bigger offer unfortunately, though you certainly may want to ask.

Remember, you can only get one bonus per lifetime on a specific American Express card product, so if you’ve had this specific card before you may not be eligible to receive it again.

Other benefits

The card offers…

  • 12 HHonors points per dollar on Hilton purchases
  • 6 points per dollar at U.S. restaurants, supermarkets, and gas stations
  • 3 points per dollar on all other eligible purchases
  • HHonors Gold status

No card earns HHonors points more quickly based on your everyday spend than this one.

What can you book with 100,000 points?

Point prices for Hilton HHonors hotels vary by the day you travel, but some examples include…

2 nights at the Hilton Waikoloa Village, saving almost $400


3 nights at the Hilton Miami Downtown, saving over $450


2 nights at the Hilton Mauritius, saving over $400


Are there better intro deals?

The Citi Hilton HHonors Reserve card offers 2 weekend nights good at nearly any Hilton, which given many Hilton hotels cost 50,000 points or more a night, can be worth over 100,000 points in value, so if you’re planning to stay at a popular resort of upscale hotel with your free nights, will get you more value than the Surpass offer.

The fee on the Reserve is $95, but unlike the Surpass, it has no foreign transaction fees so it’s a better card if you travel abroad.

There’s no reason you can’t carry both cards though.

There’s also a no annual fee 75,000 point deal until 5/04/2016 for the basic HHonors Amex, which may be a better choice since you don’t have to pay a $75 fee to earn extra points. We value Hilton HHonors points at about a half a cent each, so the extra 25,000 points could get you about $125 in extra hotel stays, so the $75 fee for the 100,000 point Surpass can be worth it if you’re careful with where you use your points.

Or get both cards if you really want to rack up points. Amex is okay with you holding both cards and earning the bonus from each.


Also consider the the Virgin Atlantic MasterCard from Bank of America, which is offering 90,000 points as a sign on deal with a $90 annual fee. Virgin Flying Club points transfer to Hilton at a rate of 3 HHonors points for every 2 Virgin Flying Club points, so 90,000 Virgin points equals 135,000 HHonors points.

This card is from Bank of America, so you’re diversifying your bank applications, and again there’s no reason you can’t get this as a 4th option to really boost your HHonors point portfolio.


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Chase Sapphire Preferred® Card

Miles dont expireas long as card is open
Learn more

Partner Offer

50,000 bonus points

Intro Offer

$0 introductory annual fee, then $95

Annual Fee


Foreign Transaction Fee Waived


Points Can Transfer to Airline Miles ?

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6 thoughts on 100,000 point Hilton HHonors Surpass bonus – is it worth the $75?

  1. Nick

    I stay at hilton properties 3 nights a week every week all year long. All of my travel expenses are reimbursed by the company(food,drink,hotel, anything)
    Which card should I be applying for? 690 score


      @Nick – The Surpass earns points fastest for Hilton stays. Go for that one, especially with this sign on.

  2. John Christy

    How much millage of flight can this 100K points buy? Namely, I am trying to compare the purchase power of this 100,000 points in comparison to the points of other cards, say Chase Sapphire Preferred.


      @John – For flights this won’t get you much. It would get you 10-15,000 airline miles. Using the points for hotels will get you much more value.

  3. Deborah Doctor

    Interesting comparison….but the Virgin Atlantic card terms are:
    20,000 Flying Club bonus miles after your first retail purchase
    50,000 additional Flying Club bonus miles after you spend at least $12,000 in qualifying purchases within 6 months of your account open date
    Earn up to 15,000 additional bonus miles upon anniversary after qualifying purchases
    so not exactly apples-to-apples with offers which require $3,000 spend for 100,000 points


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