Is the Hilton Honors American Express Surpass Card worth it?
1 credits worth $200 at face value against a $150 fee. Turn off what you won’t use and the number at the bottom is your answer.
YOUR CARD
YOUR FEE
$150
Statement and merchant credits1 OF 1 ON
SET ALL TOThen change any row.
Hilton Statement Credit$50 / Quarterly face
$/yr
Credits subtotal$180/yr
Additional benefitsWhat are these worth to you? We will not guess, because a lounge is worth a lot to someone who flies weekly and nothing to someone who does not.
HOTEL FREE NIGHT CERT
Hilton Surpass Free Night
$/yr
YOUR VERDICT
Credits at your values$180
Annual fee−$150
You come out ahead by$30
120% RETURN ON THE FEE
HOW YOU GOT HEREEverything set to 90% of face, 1 perk still unpriced, so this is a floor.