Review
American Express Hilton Honors Surpass® Card Review: Earns Generous Hilton Rewards and Perks
Is the Hilton Honors American Express Surpass® Card the right pick for you? Earn generous rewards on Hilton stays and everyday spending, plus get perks that can easily offset the annual fee.
American Express
Hilton Honors American Express Surpass® Card
| Annual Fee | $150.00 |
| Regular APR | 19.49% to 28.49% variable APR on purchases. |
| Rewards Rate | 3x-12x points on eligible purchases |
| Sign-up Bonus | 130,000 Hilton Honors Bonus Points |
Overview
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate on Hilton purchases
- Rewards on dining, groceries, and gas
- Complimentary Hilton Honors Gold status
- Statement credits for Hilton purchases
- Potential for free night reward and Diamond status
Things to consider
- Annual fee
- High regular APR
Benefits
Drawbacks
Decision Guidance
Summary
The Hilton Honors American Express Surpass® Card is a decent hotel rewards card, primarily valuable for frequent Hilton guests. The generous rewards on Hilton purchases (12x points) and the sign-up bonus are attractive. The 6x points on everyday spen...