Is the Hilton Surpass worth keeping?
Renewal verdict for the Hilton Honors American Express Surpass® Card — ongoing value only (a one-time welcome bonus doesn't justify year two).
Last updated
Keep it
Your statement credits alone cover the $150 fee.
- Annual fee
- $150 Inferred by source
- Credits you'd realistically use
- $160
Why
- Realistically usable credits (~$160) already meet or beat the $150 annual fee — before counting rewards, lounge access or perks.
Keep in mind
- Make sure you’re actually using those credits each year — set reminders for the ones that expire monthly.
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Frequently asked
Is the Hilton Surpass worth keeping?
Keep it. Your statement credits alone cover the $150 fee.
What can I do before cancelling the Hilton Surpass?
Make sure you’re actually using those credits each year — set reminders for the ones that expire monthly.
Does cancelling the Hilton Surpass hurt my credit?
Closing a card can lower your average account age and your total available credit, which may dip your score temporarily. Product-changing to a no-annual-fee card in the same family usually avoids that — you keep the account history.