Total Benefit Value
$588/yr
Annual Fee
$150
Avg Left on Table
$474/yr
The average Hilton Honors American Express Surpass Card holder leaves $474/yr on the table
Based on typical usage rates across 7 benefits. Your number could be higher or lower.
Welcome Bonus
130,000points/miles
Spend $3,000 in 6 months · est. $650 value
All Benefits (7)
Statement Credits
Hotel Credit
$50/quarter Hilton credit. Use-it-or-lose-it by quarter.
$200/yr
quarterly
Insurance & Protection
Cell Phone ProtectionHidden
Up to $800/claim, $50 deductible, 2 claims/year. Must pay phone bill with card.
$83/yr
ongoing
Purchase ProtectionHidden
$1,000 per occurrence, $50,000 per year, 90 days
$50/yr
ongoing
Car Rental Loss & Damage InsuranceHidden
Secondary coverage up to $50,000
$75/yr
ongoing
Travel Perks
Hotel Gold Elite StatusHidden
Automatic Hilton Gold status. Path to Diamond at $40K spend.
$100/yr
ongoing
Shopping & Lifestyle
Return ProtectionHidden
$300 per item, $1,000 per year, 90 days
$30/yr
ongoing
Account Perks
No Foreign Transaction Fees
No foreign transaction fees
$50/yr
ongoing
Earning Rates
| Category | Rate |
|---|---|
Hilton properties | 12x |
Restaurants | 6x |
U.S. Supermarkets | 6x |
U.S. Gas Stations | 6x |
All other purchases | 3x |
5 Hidden Benefits Most People Miss
- Hotel Gold Elite Status — $100/yr
- Cell Phone Protection — $83/yr
- Purchase Protection — $50/yr
- Return Protection — $30/yr
- Car Rental Loss & Damage Insurance — $75/yr
How much are you leaving on the table?
Select all your cards and see your personal Gap — the total dollar value of benefits you're not using.
See Your Gap — It's FreeNo bank login required. Takes 30 seconds.