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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 designed for regular Hilton guests who want automatic elite status and broad everyday bonus categories without paying a premium card annual fee. It functions as both a hotel card for property stays and a daily reward earner on groceries, gas, and dining.

Welcome Offer
Earn 130,000 Bonus Points plus a Free Night Reward
Annual Fee
$150
Rec. Credit Score
Good
Good For
Regular Hilton Guests & Daily Earners
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...

Automatic Hilton Honors™ Gold Status

Quarterly Hilton statement credits

Everyday U.S. category spend

With a $150 annual fee, the card delivers strong value for travelers who visit Hilton properties at least a few times a year. Up to $200 in annual Hilton statement credits, delivered as up to $50 each quarter for direct Hilton purchases, can more than cover the annual fee on its own. Complimentary Hilton Honors™ Gold Status brings additional privileges, including space-available room upgrades and daily food and beverage credits at participating hotels.

The reward structure is tailored to both travel and routine expenses, earning 6X Hilton Honors™ bonus points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, as well as 12X points on direct Hilton spend. Dedicated spenders can also earn a Free Night Reward after spending $15,000 in a calendar year. However, cardholders who want flexible rewards that transfer to multiple airlines or hotels may prefer a general travel credit card instead.

MaxRewards

MaxRewards Verdict

This card is a practical choice for regular Hilton guests who can offset the $150 annual fee through quarterly hotel credits and Gold status perks. Its main limitation is that earned points are locked into the Hilton portfolio rather than flexible travel programs.

Welcome Offer

Earn 130,000 Bonus Points plus a Free Night Reward

after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer ends 01/13/2027.

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 centers on direct Hilton purchases and common domestic spending categories, allowing points to accumulate steadily from routine errands as well as hotel stays.

CategoryRate

Hilton Honors™ Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.

12X

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.

6X

Hilton Honors™ Bonus Points for each dollar of U.S. Online Retail purchases.

4X

Hilton Honors™ Bonus Points for all other eligible purchases on your Card.

3X

Annual Credits & Perks

Benefits

The card features automatic elite status, quarterly Hilton credits, and travel protections designed to lower out-of-pocket costs on trips.

BenefitAnnual value
$200

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

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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.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.


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.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.


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.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.


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.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.


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

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

19.74% - 28.74%

Variable

Cash Advance APR

28.99%

Variable

Foreign Transaction Fee

None

Balance Transfer

N/A

Cash Advance

Either $10 or 5% of the amount of each cash advance, whichever is greater.

Late Payment

Up to $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

  • Hotel Credit CardsView list
  • 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 Card Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.

  • 005XMembership Rewards® points on flights and prepaid hotels on AmexTravel.com
  • 002XMembership Rewards® points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per Card account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. Effective February 17, 2027, select merchants only. See terms.
  • 001XMembership Rewards® points on other eligible purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply. For rates and fees of The Business Platinum Card® from American Express, please visit the American Express website.

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.

  • 004XMembership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
  • 003XMembership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply. For rates and fees of American Express® Business Gold Card, please visit the American Express website.

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.

  • 005XMembership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings.
  • 005XMembership Rewards® points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
  • 001XMembership Rewards® points on other eligible purchases.

Annual Fee

$895

Rec. Credit

Good

View card details

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