American Express
Hilton Honors American Express Surpass® Card
Key Features
| Annual Fee | $150.00 |
| Sign-up Bonus | 130,000 Hilton Honors Bonus Points |
| Rewards Rate | 3x-12x points |
| Regular APR | 19.49% to 28.49% variable APR on purchases. |
| Network | American Express |
About this card
Considering the individual ratings and the reputation analysis, the Hilton Honors American Express Surpass® Card earns an overall rating of 3.4. The rewards program is strong, especially for Hilton loyalists, with a high earning potential on Hilton purchases and everyday spending categories. The sign-up bonus and automatic Gold status add considerable value. However, the $150 annual fee and relatively high APR range are notable drawbacks. The card's value is heavily dependent on Hilton stays, but for frequent guests, the benefits outweigh the costs. The excellent reputation of American Express enhances the card's appeal, balancing the high APR and annual fee. The Surpass card offers solid 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
- Lounge membership
Things to consider
- Annual fee
- High regular APR
What this card offers
Sign-up bonuses
- Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 7/29/26.
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
- Enjoy complimentary Hilton Honors™ Gold status with your Hilton Honors Surpass® Card.
- 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.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
- 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.
- 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.
Additional Notes
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