Hilton Honors American Express Surpass® Card

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Current Offer

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.

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, at U.S. supermarkets, and at U.S. gas stations.

4X

Earn 4X Hilton Honors Bonus Points for each dollar of U.S. Online Retail purchases.

3x

Earn 3X Hilton Honors Bonus 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 an upgrade to Hilton Honors Diamond status through the end of the next calendar year. Terms and Limitations apply.

Enjoy complimentary Hilton Honors Gold Status with benefits like an 80% Points earning Bonus on Stays, daily food & beverage credit or continental breakfast (varies by brand & region), space-available room upgrades at select properties, and more.

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.

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 Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations, 4X Hilton Honors Bonus Points for each dollar of U.S. Online Retail purchases, and 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. 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.