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Hilton Honors Surpass
metricHilton Honors SurpassAmerican Express
Annual fee$150
Effective fee (after credits)-$50
Statement credits$200
Signup bonus (est.)$650
Est. annual rewards$675
Net first-year value$1,175
Dining6×
Travel3×
Groceries6×
No foreign transaction fee
Lounge access
Transfer partners—