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Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card

Earn 130,000 Bonus Points + a Free Night Reward intro offer

Earn 130,000 Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer Ends 4/15/2026.

on American Express's secure site

See Rates & Fees, Terms & restrictions apply

REWARDS RATE
3X - 12X
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ANNUAL FEE
$150
REGULAR APR
19.49%-28.49% Variable
RECOMMENDED CREDIT
Good to Excellent
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Hilton Honors American Express Surpass® Card highlights

What you’ll like about it

  • 12XEarn 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.
  • 6XEarn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • 4XEarn 4X Points for each dollar on U.S. Online Retail Purchases.
  • 3XEarn 3X Points for all other eligible purchases on your Card.

What we like about it

4.7

Bankrate rating
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Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card benefits

  • Earn 130,000 Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer Ends 4/15/2026.
  • Enjoy complimentary Hilton Honors™ Gold status with your Card. Plus, 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.
  • 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.
  • 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.
  • Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 4X Points for each dollar on U.S. Online Retail Purchases.
  • Earn 3X Points for all other eligible purchases on your Card.
  • 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.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • Whenever you travel more than 100 miles from home, Global Assist® Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
  • Pay It Plan It®: Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
  • Points don’t expire while your Hilton Honors American Express Surpass® Card is active and in good standing.
  • $150 annual fee.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.

Hilton Honors American Express Surpass® Card

See Rates & Fees, Terms & restrictions apply
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Hilton Honors American Express Surpass® Card
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