The Hilton Honors American Express Surpass Card is built for regular travelers who want mid-tier hotel elite status and strong rewards on daily spending without paying a steep annual fee. It bridges the gap between basic travel cards and high-end luxury cards by pairing automatic status with generous multipliers on everyday purchases.
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Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Quarterly Hilton stay credits
Everyday U.S. category spending
Mid-tier hotel elite status
For anyone who stays at Hilton properties even a few times a year, the Surpass Card easily pays for itself. The headline feature is $200 in annual Hilton statement credits, distributed as up to $50 each quarter for purchases made directly with Hilton. That credit alone more than offsets the $150 annual fee. On top of that, automatic Hilton Honors Gold status provides tangible value through space-available room upgrades and daily food and beverage credits.
This card delivers exceptional value for frequent Hilton guests through easy-to-use credits and Gold status, though its points are best suited for loyalists committed to the Hilton network.
Welcome Offer
after you spend $3,000 on purchases on your new card in your first 6 months of card membership.
Est. Value
$520
Required Spend
$3,000
Time Frame
6 Months
Est. Value
$520
Required Spend
$3,000
Time Frame
6 Months
Earning
Points are earned directly in the Hilton Honors program, featuring broad bonus categories on both daily purchases and hotel stays.
Hilton
Dining
Gas
Grocery
Online Shopping
Everywhere
Rewards percent based on a valuation of 0.4¢ per Hilton Honors point
Annual Credits & Perks
The card offers a well-rounded suite of travel perks, statement credits, and consumer protections designed to offset the ongoing cost of membership.
Enrollment is required for select benefits.
Our app automatically tracks valuable credits so you don't miss any rewards.
$200 Hilton CreditBenefits
Hilton Honors Bonus Points
Learn more about getting Hilton Honors Bonus Points with your Card.
Benefits
Extended Warranty
When you use your Eligible Card to make a Covered Purchase, you can get up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions. Please read important exclusions and restrictions.
Purchase Protection
Sometimes your favorite new purchase gets stolen or accidentally damaged. But when you use your Eligible Card for Covered Purchases, your Membership can help protect them for up to 90 days from the Covered Purchase date, subject to the Coverage Limits. Up to $1,000 per Covered Purchase, up to $50,000 per calendar year.
Car Rental Loss & Damage Insurance
Car Rental Loss and Damage Insurance can provide coverage for Damage to or Theft of a Rental Vehicle in a Covered Territory when You use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand.
Baggage Insurance Plan
Can provide coverage for lost, damaged or stolen Baggage when traveling on a Common Carrier Vehicle (e.g. plane, train, ship or bus) when the Entire Fare has been charged to your Eligible Card. Coverage limits apply. Please read important exclusions and restrictions.
Premium Car Rental Protection Enrollment Required
Enroll your eligible Card today in Premium Car Rental Protection, and you can enjoy the flexibility of two different car rental insurance plans all while helping you save on rental vehicle protection costs. When enrolled, you can receive primary coverage for Damage to or Theft of a rental vehicle and Accidental Death or Dismemberment coverage every time you rent an eligible vehicle using your Enrolled Card. Terms apply.
Benefits
Earn an Upgrade to Hilton Honors Diamond Status
You can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year after you spend $40,000 on eligible purchases on your Card in a calendar year.
Complimentary Hilton Honors Gold Status
Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Surpass Card.
Complimentary National Car Rental Status
Enjoy complimentary National Car Rental Emerald Club Executive status. Enrollment in the complimentary Emerald Club program is required. Terms apply.
Amex Special Ticket Access
Card Members can access Amex Presale Tickets and Amex Reserved Tickets to select can’t-miss events and moments across sports, music, and more. Plus, Card Members can enjoy additional perks when attending select events. While supplies last, not all seats may be offered.
Benefits
Earn a Free Night Reward
Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
Eligibility
Excellent credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$150
Purchase APR
19.74% - 28.74%
Variable
Cash Advance APR
28.99%
Variable
Foreign Transaction Fee
None
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Recognition
250,000 Points
Worth $3,750
After you spend $20,000 on purchases on your new card in your first 3 months of card membership.
Annual Fee
$895
Rec. Credit
Good
Terms Apply.
175,000 Points
Worth $2,625
After you spend $12,000 on purchases on your new card in your first 6 months of card membership.
Annual Fee
$895
Rec. Credit
Excellent
Terms Apply.
200,000 Skymiles
Worth $2,400
After you spend $20,000 on purchases on your new card in your first 6 months of card membership.
Annual Fee
$650
Rec. Credit
Excellent
Terms Apply.
