American Express Hilton Honors Surpass Card — United States
3 Hilton points per USD 1 other eligible purchases; 12 on direct Hilton purchases; 6 at US restaurants, gas stations and supermarkets; 4 on US online retail.
- Annual card + required rewards fees
- $150.00
- Reward currency
- Hilton Honors points
- Reward category
- Hotel points
- Card type
- Personal credit card
- Mileage route
- Via hotel points
- Record checked
- 2026-10-22
- First-year card fee
- Not verified
How earning and transfers work
Earn Hilton points first. Selected programme conversions to Emirates, Qantas and Virgin are recorded below; ratios and processing times differ by airline.
| Program | Conversion | Minimum / increment | Timing / source |
|---|---|---|---|
 Emirates Skywards | 10000 Hilton Honors points → 1000 partner reward units | 10000 / 10000 | Not verified Own-name account required; conversion cannot be cancelled or reversed. Official terms |
 Qantas Frequent Flyer | 10000 Hilton Honors points → 1500 partner reward units | 10000 / 10000 | 30–60 days. Matching personal account names; irreversible. This exchanges existing Hilton points and is separate from points earned on a stay. Official terms |
 Virgin Atlantic Flying Club | 10000 Hilton Honors points → 1500 partner reward units | 10000 / 10000 | Up to 30 days. Matching personal account names; irreversible. The reverse Virgin-to-Hilton route has different terms. Official terms |
Eligibility and important conditions
US application requirements and issuer approval apply.
Standard earning and annual fee only; welcome offers, credits, certificates and stay/status earnings excluded. Detailed category exclusions and transaction rounding are not modelled.
- Fee waiver
- Not verified
- Transaction rounding
- Not verified
- Points expiry
- 24 months without eligible activity. Qualifying stays, earning (including co-brand card points), buying or donating points maintain activity.
- Minimum transfer
- Partner-specific; see the recorded conversion rows.
- Transfer fee
- Not verified
- Transfer timing
- Partner-specific; see the recorded conversion rows.
Quick answers from the recorded terms
What does American Express Hilton Honors Surpass Card cost each year?
The recorded annual cost is $150.00. Among the other 74 United States cards with a recorded annual fee, 39 cost less, 5 cost the same and 30 cost more; the median is $124.00. Fee alone does not show value, so weigh it against the rewards you would collect.
What does American Express Hilton Honors Surpass Card earn?
3 Hilton points per USD 1 other eligible purchases; 12 on direct Hilton purchases; 6 at US restaurants, gas stations and supermarkets; 4 on US online retail. The reward currency is Hilton Honors points.
Can American Express Hilton Honors Surpass Card rewards become airline miles?
Yes, through a transfer. 3 structured conversions are recorded for this card, for example Emirates Skywards (10000 Hilton Honors points to 1000, minimum 10000); Qantas Frequent Flyer (10000 Hilton Honors points to 1500, minimum 10000); Virgin Atlantic Flying Club (10000 Hilton Honors points to 1500, minimum 10000). Only the listed partners are modelled, ratios can change, and the partner must be eligible in United States; confirm the current terms before moving points.
Do Hilton Honors points expire?
24 months without eligible activity. Qualifying stays, earning (including co-brand card points), buying or donating points maintain activity.
How current is this information?
The record was last checked on 2026-10-22. Fees, earning rates and partner ratios change, so treat the issuer product page linked on this profile as the authority and use this page to compare options.
Similar cards in United States
| Card | Annual cost | Reward currency | Checked |
|---|---|---|---|
| This card: American Express Hilton Honors Surpass Card | $150.00 | Hilton Honors points | 2026-10-22 |
| Chase IHG One Rewards Premier | $150.00 | IHG One Rewards points | 2026-10-22 |
| American Express Hilton Honors Business Card | $195.00 | Hilton Honors points | 2026-10-22 |
| Chase World of Hyatt Business Credit Card | $199.00 | World of Hyatt points | 2026-10-21 |
| Chase Marriott Bonvoy Boundless | $95.00 | Marriott Bonvoy points | 2026-10-22 |
| Chase World of Hyatt Credit Card | $95.00 | World of Hyatt points | 2026-10-21 |
Verification and sources
Listed on official Hilton US card page; application subject to approval
Published fee/earning and selected programme conversions recorded; other terms remain partial.
Checks by field: Annual fee: 2026-10-22 · Earning: 2026-10-22 · Hotel route: 2026-10-22 · Partner conversions: 2026-10-22 · Points expiry: 2026-10-21. Other fields retain their earlier verification status.
- www.hilton.com — official product or rules
- www.emirates.com — official product or rules
- www.hilton.com — official product or rules
Missing values remain unverified. Earnings, caps, expiry and transaction rounding can differ from a simple headline rate. Numerical reward estimates are disabled unless the full earning model is supported.
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