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Hilton Honors Surpass credit card offers 12 points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio, 6x points at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations, 3x points on all other eligible purchases. What is more, it comes with a sign-up bonus. Annual fee is $95. You should remember that earned miles can be redeemed for stays and upgrades at Hilton hotels. If you want to have a credit card with no annual fee and to redeem rewards for any hotel, choose from general travel rewards credit cards.