Amex · credit · $150 annual fee · <p>12X at Hilton hotels and resorts</p> <p>6X <span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">at U.S. restaurants</span></p> <p><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">6X at U.S. supermarkets</span></p> <p><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">6X at U.S. gas stations</span></p>. Here's what it earns, what it costs, and whether it's worth it.
On a typical US spending profile, the Hilton Honors Surpass projects to about $425 in annual rewards, or roughly $275 after its $150 annual fee. Your real number depends on where you actually spend — and on catching the credits and bonuses most people forget. WalletFlo tracks all of it automatically.
A good-to-excellent credit score is generally recommended. Approval also depends on income, existing accounts, and issuer rules.
It charges $150 a year. Its recurring credits alone are worth about $200 if you use them. Use the annual-fee calculator to check for your situation.
See what your real wallet is actually earning — and what you're leaving on the table.
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