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  1. Credit Cards
  2. Hilton Honors American Express Surpass® Card
American Express

Hilton Honors American Express Surpass® Card

The Hilton Honors American Express Surpass® Card is built for frequent Hilton guests who want automatic hotel elite status and elevated rewards on everyday purchases. It bridges the gap between entry-level hotel cards and premium luxury products by offering practical perks like quarterly property credits and room upgrades for a reasonable $150 annual fee.

Welcome Offer
Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card
Annual Fee
$150
Rec. Credit Score
Good
Good For
Moderate Hilton travelers
How to ApplyEstimate your value

Terms Apply. For rates and fees of Hilton Honors American Express Surpass® Card, please visit the American Express website.

Hilton Honors American Express Surpass® Card

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Hilton Honors American Express Surpass® Card worth it?

This card is great for...

Hilton hotel stays

Automatic Gold status perks

Quarterly property credits

For anyone who stays at Hilton properties even two or three times a year, the Hilton Honors Surpass Card easily justifies its $150 annual fee. The standout feature is complimentary Hilton Gold status, which unlocks daily food and beverage credits, space-available room upgrades, and bonus points on hotel stays. The card also offers up to $200 in annual Hilton statement credits, split into $50 quarterly credits, which can completely cover the annual fee if you book stays across the year. Beyond hotel perks, the card earns high point multipliers at U.S. supermarkets, gas stations, restaurants, and online retail. Spenders who reach $15,000 in purchases in a calendar year also earn a Free Night Reward, which can be redeemed at top-tier luxury resorts. If you rarely stay with Hilton or prefer flexible travel rewards that are not tied to a single brand, a standard travel card is a better option.

MaxRewards

MaxRewards Verdict

The Surpass Card delivers exceptional value to mid-tier Hilton loyalists through automatic Gold status and quarterly property credits, though non-Hilton travelers will find its points restrictive.

Welcome 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.

Est. Value

$520

Required Spend

$3,000

Time Frame

6 Months

Est. Value

$520

Required Spend

$3,000

Time Frame

6 Months

Earning

Rewards

Earning rates are structured around Hilton Honors points, delivering elevated multipliers on direct hotel bookings alongside practical everyday categories like groceries, gas, dining, and online retail.

CategoryRate

Hotels & Resorts (Hilton)

4.8%

U.S. Restaurants, U.S. Supermarkets, U.S. Gas Stations

2.4%

U.S. Online Retail

1.6%

All Other Eligible Purchases

1.2%

Rewards percent based on a valuation of 0.4¢ per Hilton Honors point

Annual Credits & Perks

Benefits

Beyond point earnings, this card offers built-in hotel privileges, elite status, and quarterly statement credits designed to cover the annual fee.

BenefitAnnual value
$250
$200

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

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Hilton Honors American Express Surpass® Card$200 Hilton Credit
Autotracked
$0 of $50Every 3 months

Benefits

Credits

Hilton Honors Bonus Points

Learn more about getting Hilton Honors Bonus Points with your Card.

Benefits

Insurance

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

When you enroll in Premium Car Rental Protection and you use your enrolled Card to pay for rental charges for a Rental Car, you can enjoy primary coverage for Theft of or Damage to a rental vehicle and excess medical coverage if you are injured in an accident. Fees, coverage limits and coverage areas apply. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Refer to your description of coverage for a complete list of excluded vehicles. This product does not include liability coverage. Terms apply.

Benefits

Status & Access

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

Other

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

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

Good 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

Rates & Fees

Annual Fee

$150

Purchase APR

19.49% - 28.49%

Variable

Cash Advance APR

28.74%

Variable

Foreign Transaction Fee

None

Balance Transfer

None

Cash Advance

$10

Late Payment

$40

For rates and fees of Hilton Honors American Express Surpass® Card, please visit the American Express website.

Table of Contents

Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card

How to Apply

Terms Apply. For rates and fees of Hilton Honors American Express Surpass® Card, please visit the American Express website.

For rates and fees of Hilton Honors American Express Surpass® Card, please visit the American Express website.

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Recognition

Featured in

  • #5Best Hotel Credit CardsView list
  • #9Best Travel Credit CardsView list

Other cards from American Express

See all 33 cards
The Business Platinum Card® from American ExpressThe Business Platinum Card® from American Express

You may be eligible for as high as 300,000 Membership Rewards® Points

Worth $4,500

After spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.

  • 7.5%7.5%Flights (amextravel.com), Prepaid Hotels (amextravel.com)
  • 7.5%3%U.S. Construction Material & Hardware Suppliers, Electronic Goods Retailers, Software & Cloud System Providers, Shipping Providers, Purchases Of $5,000+
  • 7.5%1.5%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.

American Express® Business Gold CardAmerican Express® Business Gold Card

You may be eligible for as high as 200,000 Membership Rewards® Points

Worth $3,000

After spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 7.5%6%Top Two Eligible Categories
  • 7.5%4.5%Flights (AmexTravel.com or Amex Travel App), Prepaid Hotels (AmexTravel.com or Amex Travel App)
  • 7.5%1.5%Everywhere

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply.

American Express Platinum Card®American Express Platinum Card®

You may be eligible for as high as 175,000 Membership Rewards® Points

Worth $2,625

After spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 7.5%7.5%Flights (American Express Travel), Prepaid Hotels (American Express Travel)
  • 7.5%7.5%Flights (Directly From Airlines), Flights (American Express Travel)
  • 7.5%1.5%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.