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


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Low cost way to earn Honors Gold status.

You get Honors Gold VIP status for as long as you hold the card, so 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 Honors points per dollar on everyday spending than the Honors Surpass American Express. You get 12x points at Hilton hotels (10x is the best the closest card, the Citi Hilton Honors Reserve 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 Honors 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 Honors 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.

Some other travel cards with a similar annual fee, like the Chase Sapphire Preferred, 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 Honors Surpass, doesn’t have any of that coverage.


Overall Rating
3/5 Stars   
Key Features


Info. related to the Hilton Honors™ Surpass® Card from American Express has been collected independently by The issuer did not provide the details, nor is it responsible for their accuracy.


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 the first year, then $95

Annual Fee


Foreign Transaction Fee Waived

Yes - transfer to United MileagePlus, Southwest Rapid Rewards, Marriott Rewards, and more

Points Can Transfer to Airline Miles ?

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2 thoughts on Hilton Honors Surpass Review: Does it earn the most Honors points?

  1. Gary Sirin

    I signed up for the card back in September, spent the required amount $3,041.06 by October. Noticed in January that they hadnt applied the points. I called to check on what was happening, thinking it took between 4-6 weeks for the points to be applied. They told me that because there was a $75 fee I didnt meet the spending requirement, even though that was money spent, it does not get included in the spending requirement. Id say that was bullshit over $35. They said they would escalate it, but Im pretty pissed off at AMEX right now.

  2. Melania Robertson

    This card is very disappointing. It has very few airline/hotel transfer partners and transfers at a very low ratio so you are stuck using the points only at Hilton. That would be OK, except that Hilton Hotels are so expensive and their Honors points are so worthless that you need at least 20,000 points to stay one night. Compare this to the 2500 points for a night with the SPG card and the fact that SPG has a lot of airline/hotel travel partners with a high transfer ratio and SPG makes Hilton look awful.


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