Question 1

Is the Hilton Honors American Express Surpass Card worth the annual fee?

Accepted Answer

The Hilton Honors American Express Surpass Card is worth its $150 annual fee if you use most of its 17+ benefits. Calculate your ROI by adding the value of credits you redeem, lounge visits, and points earned, then compare to the annual fee. If total value exceeds the fee, keep the card. Tools like kardfolio can automate this calculation.

Question 2

When do Hilton Honors American Express Surpass Card benefits expire?

Accepted Answer

Hilton Honors American Express Surpass Card benefits expire on different schedules: monthly credits reset on the 1st, quarterly credits every 3 months, and annual credits on your cardmember anniversary or calendar year end. Check each benefit's terms for specific dates. Benefit tracking apps can send alerts before expiration.

Question 3

How do I track Hilton Honors American Express Surpass Card benefits?

Accepted Answer

Track Hilton Honors American Express Surpass Card benefits by: 1) listing all 17+ benefits and their values, 2) recording when you use each benefit, 3) setting calendar reminders before credits expire, 4) calculating total value vs annual fee. Apps like kardfolio automate this with expiration alerts and ROI tracking.

Question 4

What are the Hilton Honors American Express Surpass Card earning rates?

Accepted Answer

The Hilton Honors American Express Surpass Card earns: 12x on At hotels and resorts in the Hilton portfolio, 6x on At U.S. gas stations, 6x on At U.S. restaurants, including takeout and delivery. Base rate is typically 1x on all other purchases. Points can be redeemed through the issuer's portal or transferred to airline/hotel partners for potentially higher value.

Question 5

Does the Hilton Honors American Express Surpass Card have foreign transaction fees?

Accepted Answer

No, the Hilton Honors American Express Surpass Card has no foreign transaction fees. This makes it suitable for international travel and purchases in foreign currencies without the typical 3% fee charged by many cards.

Hilton Honors American Express Surpass Card

Hilton Honors American Express Surpass Card

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