Hilton HHonors Surpass Review: Does it earn the most HHonors points?


Low cost way to earn HHonors Gold status.

You get HHonors Gold VIP status for as long as you hold the card, so for $75 a year you end up getting free breakfast, room upgrades, late check out and more at most Hilton affiliated hotels.

Fastest earning from everyday spending.

With the exception of airline and car rental purchases, no card earns more HHonors points per dollar on everyday spending than the HHonors Surpass American Express. You get 12x points at Hilton hotels (10x is the best the closest card, the Citi Hilton HHonors Resere offers), 6x points at U.S. restaurants, supermarkets, and gas stations, and 3x points on everything else.


Foreign transaction fees.

Although the card has an EMV chip built in, you’re probably not going to want to use it traveling abroad. You’ll get hit with a 2.7% foreign transaction fee if you do. The Citi Hilton HHonors Reserve with a $95 annual fee waives all foreign transaction fees, but earns less in some categories like U.S. restaurants, supermarkets, and gas stations (just 3x points versus 6x for this card).

Hilton HHonors points not the most valuable.

Hilton points aren’t the most valuable around, as it takes a lot of points just to get a free night at most hotels. Think 40,000 points or more for a decent hotel. They make up for it by making the points really easy to earn, but if you’re simply trying to earn points for hotel nights via your card spending, other cards like the Chase Hyatt and Starwood American Express could earn you free nights at nice hotels more quickly.

No trip protection benefits.

An alternate card, the Citi Hilton HHonors Reserve, includes benefits like coverage that will pay for a hotel room if your flight is significantly delayed, or coverage that can reimburse you for nonrefundable travel expenses in case you can’t make a trip due to illness or other covered reasons. This card, the HHonors Surpass, doesn’t have any of that coverage.

Not the biggest intro deal.

While the headline introductory points deal looks great, and can be very valuable, it’s not quite as valuable as the Citi Hilton HHonors Reserve, which earns you 2 free weekend nights. If you like to stay at hotels in big cities or in popular vacation destinations, the 2 free nights can save you 100,000 points or more.

Overall Rating
3/5 Stars   
Key Features
  • Earn 75,000 Hilton HHonors Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 12 Hilton HHonors Bonus Points for each dollar of eligible purchases charged directly with a participating property within the Hilton HHonors portfolio of brands.
  • Earn 6 Hilton HHonors Bonus Points for each dollar of eligible purchases: – at U.S. restaurants – at U.S. supermarkets – at U.S. gas stations
  • Earn 3 Hilton HHonors Bonus Points for all other eligible purchases on your Card.
  • Complimentary HHonors Gold status each year you hold the card
  • $75/year annual fee
  • EMV Smart Chip available upon request

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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