Is the Hilton Honors Surpass® Worth the $150 Annual Fee?
Yes. The Hilton Honors Surpass® hands back up to $235 in annual statement credits and benefits, which more than covers the $150 fee before you earn a single point. As long as you will actually use even $150 of those credits, the card pays for itself.
Every credit, broken down
The Hilton Honors Surpass® offsets its fee with statement credits and benefits. Here is every one, with the most you can get from each per year. Remember that credits only count if you would have spent that money anyway, and some renew on a monthly or semi-annual schedule you have to use or lose.
| Credit or benefit | Up to |
|---|---|
| $200 Hilton resort statement credit annually | $200 |
| Priority Pass Select lounge access (10 free visits/yr, then $35/visit) | $35 |
| Total stated value | $235 |
If you use all of it, that is $235 back against a $150 fee, which covers the fee on its own.
What you earn on spending
Credits are only half the story; the card also earns rewards every time you swipe. On $29,160 of annual spending, the Hilton Honors Surpass® earns about $1,174 a year at a flat 1 cent per point. The figure below is based on a typical household budget. See the full category breakdown in our Hilton Honors Surpass® review, or run your own numbers in the rewards calculator.
The break-even
Add it up. The Hilton Honors Surpass® costs $150 a year. Its credits return up to $235, and everyday rewards add about $1,174. That is a net of $1,259 in your favor every year you hold it, before any welcome bonus. First-year holders also collect a welcome bonus worth about $1,300, pushing the first-year total to roughly $2,559.
Frequently asked questions
- Is the Hilton Honors Surpass® worth the annual fee?
- Yes. The Hilton Honors Surpass® hands back up to $235 in annual statement credits and benefits, which more than covers the $150 fee before you earn a single point. As long as you will actually use even $150 of those credits, the card pays for itself.
- How do you offset the Hilton Honors Surpass® annual fee?
- Use the statement credits first: the Hilton Honors Surpass® offers up to $235 a year, enough to cover the fee by itself. Everyday rewards add roughly $1,174 more on a typical budget.
- Is there a no-annual-fee alternative to the Hilton Honors Surpass®?
- Yes. If you cannot clear the $150 fee, a no-fee card keeps every dollar of rewards as profit. See our ranked no-fee picks to compare.
