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Hilton Honors American Express Surpass Card

Hilton Honors American Express Surpass Card

Keep track of quarterly Hilton credits and the free night you can earn through spending. Includes Hilton Honors Gold status.

Annual Fee
$150
Est. Annual Value*
$200
Net Value*
+$50

Trackable Benefits (2)

These are the annual credits, statement credits, and perks that our platform tracks and reminds you about. For complete details on all card benefits including travel protections, purchase protections, and points earning rates, check the official card page for the most up-to-date information.

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Quarterly Hilton Credit

Up to $50 each calendar quarter at Hilton properties.

$200/yr
($50 Quarterly)

Pay the Hilton property directly for eligible bookings or incidental charges. Charge incidentals to your room and pay with this card at checkout. Each quarter has its own limit; unused credit does not carry forward. Third-party travel bookings do not qualify.

📚 Resources
Hilton credit terms
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Spending-Earned Free Night

One free night after $15,000 in eligible calendar-year spending.

Earn one Hilton Free Night Reward after eligible account purchases reach $15,000 from January 1 through December 31. Additional-card spending counts. This is an earning window, not the certificate's redemption deadline. Check Hilton for eligible standard rooms and the reward's exact expiry.

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Unlock Requirement
Requires $15,000 in eligible calendar-year purchases.($15,000/year)
* About Our Value Estimates

The estimated annual values shown are conservative estimates based only on the trackable benefits our platform manages (annual credits, statement credits, and recurring perks).

Not included in our estimates:

  • • Sign-up bonuses and welcome offers
  • • Points earning multipliers and redemption value
  • • Travel protections (trip insurance, baggage delay, rental car coverage)
  • • Purchase protections (extended warranty, price protection, return protection)
  • • Cell phone protection and other insurance benefits
  • • Transfer partner value and premium redemptions

The actual value you get from premium cards is often significantly higher than our estimates. We track what's trackable - credits and perks with expiration dates - so you never leave money on the table.

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Start tracking your Hilton Honors American Express Surpass Card benefits with CardGenius