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Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card

Intro Annual Fee Offer + 130,000 Points intro offer

Enjoy a $0 intro annual fee for the first year, then $150 and earn 130,000 Bonus Points after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 7/29/26.

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See Rates & Fees, Terms & restrictions apply

REWARDS RATE
3X - 12X
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ANNUAL FEE
$0 introductory annual fee for the first year, then $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

  • Enjoy a $0 intro annual fee for the first year, then $150 and earn 130,000 Bonus Points after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 7/29/26.
  • 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.
  • 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.
  • Points don’t expire while your Hilton Honors American Express Surpass® Card is active and in good standing.
  • $0 introductory annual fee for the first year, then $150.
  • 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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