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Is Hilton Honors surpass card worth it?

The Hilton Surpass is an ideal choice for those who stay at Hilton properties often and want a cobranded credit card with a modest annual fee (see rates and fees) and valuable perks — but who aren't willing to shell out for the top-tier Hilton Honors American Express Aspire Card.



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Three different standard rooms are available for 70,000 points, while an equivalent cash rate (with a similar cancellation policy) is $385 after taxes and fees in each case. That yields an above-average Hilton point value of 0.55 cents.

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Within Hilton Honors, there are different tiers of status that allow you to enjoy benefits when staying at Hilton properties worldwide — the highest of these is called Diamond. One of the biggest reasons to stick to Hilton Honors is that it's much, much easier than other hotel chains to enjoy top-tier elite status.

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Hilton points expire after 24 months of no activity. If you haven't been able to travel in the past two years, fear not. There are plenty of ways to keep your Hilton points from expiring.

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Complete stays totaling 1,000 paid and reward nights.

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Dine 11 times at participating restaurants before the end of the year to become a VIP member of Hilton Honors Dining. As a VIP member: You earn 8 Bonus Points per $1 spent at participating restaurants. Earn at even more restaurants than non-VIP members, with locations exclusively for VIP members.

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