Hilton Honors American Express vs Hilton Honors Surpass
Hilton Honors American Express edges Hilton Honors Surpass on year-1 math ($1,750 more value at 1.8¢/pt).
Quick verdict
Hilton Honors American Express edges Hilton Honors Surpass on year-1 math ($1,750 more value at 1.8¢/pt)
Hilton Honors American Express: $0 recurring credits + $1,800 welcome bonus − $0 AF = $1,800 net. Hilton Honors Surpass: $200 recurring credits + $0 welcome bonus − $150 AF = $50 net. These are year-1 numbers (welcome bonus included) at a 1.8¢/pt rewards valuation. The /tools/annual-fee-breakeven calculator runs the year-2-onward math without the bonus.
Side-by-side specs
| Hilton Honors American Express | Hilton Honors Surpass | |
|---|---|---|
| Annual fee | $0 | $150 |
| Welcome bonus | 100,000 pts after $1,000 in 3mo | — |
| Welcome bonus value @ 1.8¢ | $1,800 | — |
| Free-night cert | — | Surpass Weekend Night (spend tier) (~$300) |
| Recurring credits / year | $0 | $200 |
| Year-1 net @ 1.8¢ | $1,800 | $50 |
Year-1 net assumes the welcome bonus values at 1.8¢/pt. For year-2-onward math, use the Annual Fee Break-even Calculator.
Hilton Honors American Express
0 recurring credits
No recurring credits listed in our catalog for this card.
Hilton Honors Surpass
1 recurring credit
- Hilton Resort Credit$50 · Quarterly
Pick Hilton Honors American Express if
the AF is meaningfully lower ($0 vs $150); the welcome bonus pays more at 1.8¢/pt ($1,800 vs $0).
Pick Hilton Honors Surpass if
the recurring credits stack is richer ($200 vs $0); the included free-night cert is a structural advantage.