Hilton Honors Surpass: what it earns

Updated September 24, 2026 · from RightCard's verified card and merchant data

Hilton Honors Surpass earns 4x points at online shopping, and 3x points on everything else. We value Hilton Honors at 0.4¢ per point toward travel and 1¢ as cash; the table below shows both readings. Annual fee: $150.

Every category, as published

The everyday rates only. No welcome bonus, no limited-time offers. Where a rotating 5% quarter is live today it is noted in the row.

Category	Earn	≈ value / $1
Restaurants	3x points	3¢ cash · 1.2¢ travel
Supermarkets	1x points	1¢ cash · 0.4¢ travel
Gas stations	1x points	1¢ cash · 0.4¢ travel
Travel	2x points	2¢ cash · 0.8¢ travel
Online shopping	4x points	4¢ cash · 1.6¢ travel
Drugstores	3x points	3¢ cash · 1.2¢ travel
Transit & rideshare	3x points	3¢ cash · 1.2¢ travel
Streaming	3x points	3¢ cash · 1.2¢ travel
Everything else	3x points	3¢ cash · 1.2¢ travel

Travel value uses 0.4¢ per point for Hilton Honors, a conservative figure. Cash redemptions on most points programs pay 1¢ or less.

Where it beats a flat 2% card

Nowhere on published rates alone. Its case rests on credits, offers or the program its points feed, not on the earn rate.

Statement credits

Verified from the issuer's terms. A credit is worth its face value only if you would spend there anyway.

Credit	Amount	Per year
Hilton credit	$50 quarterly	$200 / yr

Tick the ones you would use and get the fee verdict →

See it against the rest of your wallet →

How RightCard handles this: add the Hilton Honors Surpass in the app and it competes with your other cards at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and private. No bank login. Recommendations are computed on your phone.

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FAQ

What does the Hilton Honors Surpass earn at supermarkets?

1x points at stores that code as supermarkets. Superstores and warehouse clubs usually do not count.

What does the Hilton Honors Surpass earn on everything else?

3x points on purchases outside its bonus categories.

Is the Hilton Honors Surpass's $150 fee worth it?

Only if the credits and rewards you would actually use add up to more than $150 a year. Our coupon-book tool lets you tick the credits you would use and see the verdict.

How much are Hilton Honors Surpass points worth?

About 0.4¢ each toward travel by our conservative estimate for Hilton Honors, and 1¢ or less as cash.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

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