American Express Hilton Honors Surpass review
Best kept for Hilton, where it pays a bonus of its own.
- Updated October 17, 2026
- $150 annual fee
- Earns Hilton Honors points
- 106 cards compared
Who it suits
American Express Hilton Honors Surpass
- At Hilton: $6.00 back on $100 (6%).
- It costs $150 a year to hold.
Rates change, so verify them with the issuer before you apply.
See if it beats your cards on gasWhere it earns the most
What it earns on a $100 purchase in each category, and where that places it among the 106 cards we track.
| Category | On $100 | Rank |
|---|---|---|
| Dining | $3.00 3% | #20 of 106 |
| Groceries | $3.00 3% | #12 of 106 |
| Gas | $3.00 3% | #9 of 106 |
| Travel | $1.50 1.5% | #41 of 106 |
| Airfare | $1.50 1.5% | #48 of 106 |
| Hotels | $1.50 1.5% | #47 of 106 |
| Transit | $1.50 1.5% | #51 of 106 |
| Streaming | $1.50 1.5% | #39 of 106 |
| Drugstores | $1.50 1.5% | #30 of 106 |
| Online shopping | $2.00 2% | #14 of 106 |
| Wholesale clubs | $1.50 1.5% | #28 of 106 |
| Everything else | $1.50 1.5% | #27 of 106 |