Question 1

Is the Hilton Honors Surpass worth the annual fee?

Accepted Answer

The Hilton Honors Surpass 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 Surpass benefits expire?

Accepted Answer

Hilton Honors Surpass 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 Surpass benefits?

Accepted Answer

Track Hilton Honors Surpass 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 Surpass earning rates?

Accepted Answer

The Hilton Honors Surpass 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 Surpass have foreign transaction fees?

Accepted Answer

No, the Hilton Honors Surpass 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 Surpass

Hilton Honors Surpass

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