Fee Report
Hilton Honors Surpass Fee Report
See the annual fee, verified credits, projected value, and whether this card may be worth keeping.
Annual Fee
$150
Issuer
American Express
Card Type
Co-branded
We never see or store your full card number.
Why WorthTheFee Calculates It This Way
We separate hard statement credits from estimated perks.
We only count benefits with clear issuer-stated dollar amounts.
We do not inflate ROI with subjective values.
Lounge access, status, and other perks are listed separately.
You can track your actual usage.
Add how much value you actually receive to see your true ROI.
Renewal recommendations are based on real value.
We help you decide based on what you actually get back.
Verified Benefit Receipt
Statement credits and savings we can verify from issuer benefit terms.
Hilton Resort Statement Credit
Resets quarterly · Enrollment required
We only assign dollar values to benefits with clear issuer-stated amounts. Perks like lounge access and status are listed separately.
Premium Benefits Without Fixed Dollar Values
These benefits are incredibly valuable but the value depends on how you use the card.
Free Night Reward
One Free Night Reward each card anniversary year. Earn a second Free Night Reward after $15,000 in eligible purchases on the Card in a calendar year. No fixed dollar value.
Hilton Honors Gold Status
Complimentary Hilton Honors Gold tier as long as your Card account is open. Includes 80% bonus points and space-available room upgrades.
Diamond Status via Spend
Upgrade to Hilton Honors Diamond status after spending $40,000 on the Card in a calendar year.
National Car Rental Emerald Club Executive
Complimentary Emerald Club Executive status with National Car Rental. Enrollment required.
No Foreign Transaction Fees
Pay no foreign transaction fees on purchases made outside the United States.
Baggage Insurance Plan
Coverage for eligible lost, damaged, or stolen baggage when the entire fare is charged to your Card. Terms, conditions, and exclusions apply.
These benefits may be valuable, but the value depends on how you use them.
Verified Statement Credits
What counts as “verified”?These are benefits that provide statement credits or savings with clear issuer-stated dollar amounts.
Hilton Resort Statement Credit
Up to $50 back each quarter (up to $200/yr) on eligible purchases at participating Hilton Resorts. Enrollment may be required.
Get your verdict on this card.
Track your usage, calculate your real ROI, and get a personalized renewal recommendation.
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