Flo Analysis
Computed from live catalog data — where this card ranks, wins, and needs a caveat.
Category standing — vs 1,096 cards in the catalog
Everything else
12x
Dining
6x
Gas
6x
Where it wins:
Stated credits ($200/yr) cover the $150 annual fee on their own — rewards earn on top.
Overview
How this card fits in your wallet — fees, value, and who it's built for.
How the points work
12X at Hilton hotels and resorts
6X at U.S. restaurants
6X at U.S. supermarkets
6X at U.S. gas stations
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Everything elseHilton12×
- DiningU.S. Restaurants6×
- GasU.S. Gas Stations6×
- GroceriesU.S. Supermarkets6×
- Online shoppingOnline retail stores4×
- Everything elseAll Purchases3×
Welcome offer
130,000 points
- Spend $3,000 in 180 days
- Est. value: $780 (WalletFlo catalog)
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- $200 Hilton Credit$200/yr
Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card
Benefits
- Hilton Gold
Get Hilton Gold benefits like free breakfast for two, upgrades (subject to availability), late check-out, 80% bonus on base points, and a 5th night free.
- Free Night (w/ spend)
Spend $15,000 in a calendar year and earn a Free Weekend Night Reward.
- Free Night (earned)$175/yr
Annual free weekend night reward that can be used on even the most expensive Hilton properties.
- Priority Pass$32/yr
Get 10 free lounge visits each Priority Pass Membership year. Enrollment required.
- Diamond Status (w/ spend)
Receive Diamond status after you spend $40,000 in a calendar year.
- Diamond Status
Earned Hilton Diamond Status. Valid for the remainder of the calendar year earned and the subquential calendar year through December. Get benefits like a 100% bonus on base points, free breakfast for two, lounge access, upgrades, premium internet, and a 48-hour room guarantee.
- ShopRunner
Free membership to ShopRunner. Free two-day shipping, free return shipping, special deals and discounts at select retailers.
- Amex Concert Benefits
Access to presales for advance ticket purchases and special preferred seating through Ticketmaster.
- Auto Purchasing Program
Find TrueCar certified dealerships that allow you to purchase vehicles with your card and get special discounts and other perks.
- Amex Offers
Promotions and discounts offered exclusively to card holders.
- Amex Travel
Online travel portal that allows you to book various forms of travel including: flights, hotels, rental cars, cruises, and vacation packages.
- Emerald Club Executive status
Enjoy complimentary National Car Rental Emerald Club Executive status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
Flo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Open CalculatorSide by Side Compare
Compare against another card with the same spend profile.
Open CalculatorIs the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Open CalculatorPoints & Miles → $ Converter
Convert points and miles to estimated cash value.
Open CalculatorAwards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Open CalculatorTransfer Partner Calculator
Explore transfer partner conversions across programs.
Open CalculatorRewards Calculator
Model this card on your spend — adjust categories and compare with others.
FAQ's
Issuers generally look for good-to-excellent credit; exact thresholds vary.
See the annual fee analysis above, or open the full calculator to model credits and perks against $150 per year.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.