Hilton Honors American Express Surpass Card Rewards Calculator
On a typical $2,400/month spending mix, the Hilton Honors American Express Surpass Card earns about $1,192 a year — an effective 4.14% back. Its annual fee is $150.
Rate caveats: 12X Hilton.
Light spender — $1,200/month
| Category | Monthly spend | Rate | Per year |
|---|---|---|---|
| Groceries | $220 | 6x | $158 |
| Dining | $140 | 6x | $101 |
| Travel | $70 | 3x | $25 |
| Gas & transit | $100 | 6x | $72 |
| Online shopping | $120 | 3x | $43 |
| Streaming | $20 | 3x | $7 |
| Everything else | $530 | 3x | $191 |
| Total | $1,200 | 4.15% | $598 |
Typical spender — $2,400/month
| Category | Monthly spend | Rate | Per year |
|---|---|---|---|
| Groceries | $430 | 6x | $310 |
| Dining | $290 | 6x | $209 |
| Travel | $140 | 3x | $50 |
| Gas & transit | $190 | 6x | $137 |
| Online shopping | $240 | 3x | $86 |
| Streaming | $50 | 3x | $18 |
| Everything else | $1,060 | 3x | $382 |
| Total | $2,400 | 4.14% | $1,192 |
Heavy spender — $4,500/month
| Category | Monthly spend | Rate | Per year |
|---|---|---|---|
| Groceries | $810 | 6x | $583 |
| Dining | $540 | 6x | $389 |
| Travel | $270 | 3x | $97 |
| Gas & transit | $360 | 6x | $259 |
| Online shopping | $450 | 3x | $162 |
| Streaming | $90 | 3x | $32 |
| Everything else | $1,980 | 3x | $713 |
| Total | $4,500 | 4.14% | $2,236 |
First-year value
$1,192 rewards + $1,300 welcome bonus (130,000 points, as of July 2026) − $150 fee = $2,342
Wondering if the $150 fee pays for itself? See the breakeven math.
Try your own numbers
$430
$290
$140
$190
$240
$50
$1060
$2,400/mo → $1,192/yr with the Hilton Honors American Express Surpass Card (4.14% back)
How it stacks up in travel rewards
- Hilton Honors American Express Surpass Card: $1,192/yr
- Hilton Honors American Express Card : $1,082/yr on the same spending
- IHG One Rewards Premier Credit Card : $1,013/yr on the same spending
- Marriott Bonvoy Boundless® Credit Card : $864/yr on the same spending
Source: 67.credit, “Hilton Honors American Express Surpass Card Rewards Calculator”, rates verified 2026-05-12 — 67.credit/card/amex-hilton-honors-surpass/calculator