Who it's for
Free hotel nightsMore rewards dining outMore rewards at grocery stores
Hilton Honors Surpass
Sweet spot between the free Hilton card and the $550 Aspire. Hilton Gold alone is worth the fee if you stay 5+ Hilton nights/year — Gold gets you free breakfast worth $25-50/night at most properties.
$2,332/yrest. value at typical spending
$150annual fee
$200yearly credits
−$50fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 6x | $400/mo |
| Groceries | 6x | $600/mo |
| Flights & hotels | 6.6x | $300/mo |
| Rent | 3x | $2,500/mo |
| Gas & transit | 6x | $150/mo |
| Streaming | 3x | $80/mo |
| Online shopping | 3x | $200/mo |
| Everything else | 3x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Cash back
- 12x Hilton Honors points at Hilton properties
- 6x at U.S. restaurants
- 6x at U.S. supermarkets
- 6x at U.S. gas stations
- 3x on everything else
- $200 annual Hilton credit ($50 quarterly statement credit on Hilton purchases)
- Complimentary Hilton Gold status — room upgrades, free breakfast at many properties, late checkout
- Free night reward after spending $15,000 on the card in a calendar year
- No foreign transaction fees
- Priority Pass discontinued for new cardholders (existing holders retain it)
Similar cards
- IHG One Rewards Premier$150 annual fee$1,738est. value/yr
- Marriott Bonvoy Bevy$250 annual fee$1,935est. value/yr
- Wells Fargo Autograph Journey$95 annual fee$1,184est. value/yr
- Delta Gold$150 annual fee$1,141est. value/yr
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