Is it Worth Paying $150 for Extra Perks?

The Hilton Surpass and Hilton Amex cards offer distinct advantages for travelers. The Hilton Surpass comes with a higher annual fee of $150 but provides enhanced benefits such as increased points on purchases and preferential elite status. Cardholders can earn 12 points per dollar on Hilton purchases compared to the 7 points offered by the Hilton Amex. Additionally, the Surpass grants Gold status, allowing access to better rewards and several travel protections which may justify the fee for frequent travelers.

On the other hand, the Hilton Amex has no annual fee and offers valuable starter rewards, making it an attractive option for casual travelers. For those who stay occasionally at Hilton properties, it might be sufficient. However, for more frequent stays and better perks, the Surpass could prove to be a wise investment.

Ultimately, the decision between the two cards hinges on individual travel habits. Frequent Hilton users might find the benefits of the Surpass outweigh the costs, while casual travelers may prefer the no-fee Amex for its foundational rewards.