Hilton Honors American Express Surpass® Card
Earn Hilton Honors points on every purchase, with bonus points at Hilton hotels, U.S. restaurants, supermarkets, and gas stations. Includes complimentary Hilton Honors Gold status and a free Weekend Night Reward each year.
Annual Fee
$150
Top Earning Rate
12x pts hilton hotels & resorts
Foreign Tx Fee
None
Rating
N/A
Current Welcome Offer
130,000 points
$650 estimated value
Spend $3,000 in 180 days
Card Offers
public
130,000 points
$650 estimated value
Spend $3,000 in 180 days
Earning Rates
On eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
Pros & Cons
Pros
- Earns 12X Hilton Honors points per dollar at Hilton properties, one of the highest hotel-branded earning rates available at this fee tier.
- Complimentary Hilton Honors Gold status provides meaningful on-property benefits including an 80% points bonus, complimentary breakfast or F&B credit at select hotels, and room upgrade eligibility.
- Up to $200 per year in Hilton statement credits ($50 per quarter) can meaningfully offset the $150 annual fee for regular Hilton guests.
- 10 complimentary Priority Pass lounge visits per year add airport travel value not commonly found on mid-tier co-branded hotel cards.
- No foreign transaction fees make the card practical for international travel.
Cons
- The $150 annual fee is not waived in the first year, requiring immediate value extraction from day one.
- The Free Night Reward requires $15,000 in annual spending, a threshold that may be out of reach for occasional spenders.
- Priority Pass lounge access is capped at 10 visits per year, with fees applying after that limit.
- All rewards are tied to the Hilton Honors program, making the card a poor fit for travelers who do not stay at Hilton properties regularly.
- Car rental insurance is secondary coverage only, meaning your personal auto insurance must be exhausted first.
Key Takeaways
- Earns 12X points at Hilton, 6X at U.S. restaurants, supermarkets, and gas stations, and 3X on everything else.
- Complimentary Hilton Honors Gold status is included for as long as you hold the card.
- Up to $200 in annual Hilton statement credits are issued in $50 quarterly increments and do not roll over.
- A Free Night Reward is available each calendar year after $15,000 in eligible spending.
- Priority Pass lounge access is limited to 10 complimentary visits per year, not unlimited.
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $150 |
| Foreign Transaction Fee | 0% |
APR Information
- Purchase APR
- 20.24% - 29.24%
- Cash Advance APR
- 29.99%
- Penalty APR
- 29.99%May apply if you pay late
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
8 benefits (1 strong or better)
Travel Insurance
Travel Access & Perks
Travel Credits
Elite Status
Statement Credits
Coverage Tier Legend
Frequently Asked Questions
What is the annual fee for the Hilton Honors American Express Surpass® Card?
What welcome offer is currently available?
What Hilton status does the card provide?
How do the quarterly Hilton statement credits work?
How do I earn the Free Night Reward?
Does the card charge foreign transaction fees?
What airport lounge access does the card include?
What credit score is generally needed to be approved for this card?
What travel protections come with the card?
What are the purchase APR ranges for this card?
About This Card
This card is best for frequent Hilton guests who can leverage Gold status benefits and the quarterly $50 Hilton statement credits to offset the annual fee. It suits travelers who also spend regularly at U.S. restaurants, supermarkets, and gas stations and want to consolidate Hilton point earnings across everyday categories.
The Hilton Honors American Express Surpass® Card is a mid-tier co-branded hotel credit card designed for frequent Hilton guests. Cardmembers earn 12X Hilton Honors Bonus Points at Hilton hotels and resorts, 6X at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, and 3X on all other eligible purchases. The card comes with complimentary Hilton Honors Gold status, a Free Night Reward after spending $15,000 in a calendar year, and up to $50 in Hilton Honors statement credits each quarter (up to $200 per year) for eligible Hilton purchases. Additional perks include 10 complimentary Priority Pass lounge visits per year, no foreign transaction fees, and the ability to earn a Weekend Night Reward after spending $15,000. The annual fee is $150.
The Hilton Honors Surpass® Card stands out among mid-tier hotel cards by pairing a strong 12X Hilton earning rate with complimentary Gold status and up to $200 in annual Hilton credits at a $150 annual fee, offering a clearer path to fee-offsetting value than most comparable co-branded cards.
Ready to Decide?
Apply for the Hilton Honors American Express Surpass® Card
130,000 points, worth about $650 estimated value, with a $150 annual fee.
Spend $3,000 in 180 days
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Sources & Methodology
Sources & Methodology
Card details are collected by automated crawlers from official issuer pages, then verified by editorial review.
Last updated:
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- 5 of 8 benefits rated high confidence
- 1 of 1 offer verified
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