American Express
Hilton Honors American Express Surpass® Card
Key Features
| Annual Fee | $150.00 |
| Sign-up Bonus | 130,000 points + free night |
| Rewards Rate | 3x-12x points |
| Regular APR | 19.49% to 28.49% variable APR on purchases. |
| Network | American Express |
About this card
The Hilton Honors American Express Surpass® Card is a good travel card, especially beneficial for Hilton loyalists. The rewards program is strong, offering 12x points on Hilton purchases and 6x points on everyday spending categories like dining, groceries, and gas. The sign-up bonus and automatic Hilton Honors Gold status add significant value. However, the $150 annual fee and high APR range (19.49% to 28.49%) are considerable drawbacks. The reputation of American Express and Hilton enhances the card's appeal. Considering these factors, the card earns an overall rating of 3.3. This rating reflects the balance between the strong rewards and benefits, offset by the high APR and annual fee. The Surpass card provides good value for frequent Hilton guests who can maximize the benefits and offset the costs.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- Automatic elite status
- Luxury perks
Things to consider
- Annual fee
- High regular APR
What this card offers
Sign-up bonuses
- Limited Time Offer
- Earn 130,000 Hilton Honors Bonus Points + A Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer ends 4/15/26.
Rewards
- 12X POINTS On Hotels & Resorts For eligible purchases made directly with hotels and resorts within the Hilton portfolio.
- 6X POINTS On Dining At U.S. restaurants, including takeout and delivery.
- 6X POINTS On Groceries At U.S. supermarkets.
- 6X POINTS On Gas At U.S. gas stations.
- 4X POINTS On U.S. Online Retail Purchases.
- 3X POINTS For Each Dollar Spent on other eligible purchases.
Other features
- Know if you're approved with no credit score impact
- Hilton Honors™ Gold Status Enjoy complimentary Hilton Honors™ Gold status with your Hilton Honors Surpass® Card.
- $200 Hilton Credit Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That’s up to $200 in statement credits annually.
- Free Night Reward Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
- Complimentary National Car Rental® Emerald Club Executive® Status Hilton Honors American Express Surpass® Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
- Hilton Honors™ Upgrade to Diamond Status Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year. With Hilton Honors Diamond status, enjoy benefits like: a 100% Bonus on all Base Points you earn on every stay, premium Wi-Fi at select properties, daily food & beverage credit at select brands in the U.S. and complimentary continental breakfast at select brands outside of the U.S., space-available room upgrades at select properties, and executive lounge access at select properties.