Hilton Honors American Express Surpass® Card

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Current Offer

130,000

Hilton Honors Bonus Points

plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer Ends 4/29/2025.

Annual Fee: $150

Terms Apply. | Rates & Fees.

No Foreign Transaction Fees

How to Earn Rewards

12x

Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio

6x

Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations

4X

Earn 4X Points for each dollar on U.S. Online Retail Purchases.

3x

Earn 3X Points for all other eligible purchases on your Card

Benefits

Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.

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.

Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors™ Diamond status through the end of the next calendar year.

Complimentary Gold Status with Hilton.

As a Hilton Honors American Express Surpass® Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you're enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.

Terms apply.

Our Take

The Hilton Honors American Express Surpass® Card occupies a valuable middle ground in the Hilton card lineup, offering enhanced benefits at a reasonable annual fee. Cardholders earn a generous 12X Hilton Honors Bonus Points per dollar on purchases made directly with Hilton properties, 6X points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, 4X points on U.S. online retail purchases, and 3X points on all other eligible purchases. This tiered earning structure rewards both Hilton stays and everyday spending in popular categories.

The card delivers substantial additional value through its benefits, including complimentary Hilton Honors Gold status, a Free Night Reward after spending $15,000 in a calendar year, and up to $200 in annual statement credits ($50 quarterly) for purchases made directly with Hilton properties. For travelers who regularly stay at Hilton hotels but don’t need the premium benefits of higher-tier cards, the Surpass Card provides a compelling combination of elevated status, earning potential, and valuable credits without a high annual fee, all while charging no foreign transaction fees for international purchases.