American Express / Hilton · card facts

Hilton Honors Surpass

Good Hilton earning; recurring value depends on hotel usage.

WELCOME BONUS130k pointsSpend $3,000

ANNUAL FEE$150First year: $150

CREDITSOK$200/yr advertised

LOUNGE ACCESSNo lounge access

Dollar estimates below use $3,000/month benchmark spending and TPG's August 2026 points/miles valuation. Lounge visits are not assigned a dollar value.

Year 1 · best case

+$887

Welcome bonus · TPG est.+$520

Full advertised annual credits+$200

Rewards on $36,000 benchmark spend+$317

First-year annual fee−$150

Keep / year · best case credits

+$367

Definitely keep

This recurring estimate uses the full advertised credit amount. The OK label tells you how realistic it may be to capture all $200 of those credits.

Advertised credits$200

Credit difficultyOK

TPG Aug. 2026 value0.40¢

Annual fee$150

Fee minus advertised credits+$50 credit surplus

Credit details

$200 advertised per year · OK to use fully

Card creditsVaries · Varies difficulty

$200 advertised

See issuer terms for eligible purchases, timing and restrictions.

Lounge access

No lounge access

No lounge access included in the current dataset.

Compare all cards →Read the methodology

Offer accuracy: Card offers and benefits change. Verify current issuer terms before applying. The credit amount shown is the advertised total; difficulty labels warn about restrictions rather than discounting the credit to a made-up personal value. Affiliate disclosure.