Hilton Honors American Express Surpass Card Credit Card

Hilton Honors American Express Surpass Card

Last Updated: 03/13/2026

Rating
3.7 / 5
Sign Up Bonus
130,000 Honors Points
Annual Fee
$150
Credit Score
Good

Summary

03/12/2026: New welcome offer is 130K Hilton Honors Bonus Points + 1 Free Night Reward. Offer is set to end 04/15/2026

Sign-Up Bonus
4
Spending Multipliers
4.5
Credits & Features
2
Fees
2
Application
5
Issuer
NaN

The Hilton Honors American Express Surpass Card is a mid-tier hotel credit card designed for frequent guests of Hilton who want elite perks without paying for a top-tier premium card. While the annual fee is not waived in the first year, cardholders can offset much of the cost through $50 quarterly Hilton resort credits and the opportunity to earn a free night reward, though many of these credits are issued incrementally and are closely tied to Hilton stays. The card includes complimentary Hilton Honors Gold status—with a path to Diamond status after $40,000 in annual spending—making it ideal for travelers who value room upgrades, bonus points on stays, and on-property benefits. Additional perks include no foreign transaction fees, free authorized users, National Car Rental Emerald Club Executive status, baggage insurance, car rental loss and damage coverage, purchase protection, and extended warranty benefits. However, most elevated earning categories are limited to U.S. purchases and Hilton points are typically valued around 0.5 cents each, so the Surpass card is best suited for loyal Hilton travelers who can consistently maximize hotel stays and quarterly credits rather than occasional guests.

Pros

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Credits to offset the annual fee
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No fee for additional cardholders
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No foreign transaction fee
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Purchase protection up to $1,000 per occurrence and $50,000 per calendar year
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Extended warranty up to $10,000 per item and $50,000 per calendar year

Cons

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Welcome offer may not be available to all applicants
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Annual fee not waived in the first year
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Credits may not offset annual fee as they are closely coupled to Hilton
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Lots of credits are paid incrementally throughout the year
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Most elevated spend multipliers are limited to US only
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Points are worth about 0.5 cents per point

Issuer

Spending Multipliers

Credits & Features

Complimentary Hilton Honors Gold status with upgrade to Diamond status after $40,000 in spend
$50 quarterly Hilton resort credit
Free night reward
National Car Rental Emerald Club Executive status
Car rental loss and damage insurance
Baggage insurance

Application

  • Welcome offer can only be received once in a lifetime
  • Opening this might card effects your welcome offer eligibility on other cards in the same family
  • Number of hard pull are usually irrelevant for American Express
  • Consider having at least a credit history for 6 months and avoid applying to different cards in the same card family for at least 90 days
  • American Express limits customers to 5 credit cards

Fees

  • $150 Annual Fee
  • No Foreign Transaction Fee
  • Up to $40 late fee
  • Up to $40 return payment fee
  • 19.49% - 28.49% Variable APR
  • 28.74% APR for Cash Advance
  • $10 or 5% of each cash advance amount (whichever is greater)
See Full and Updated Rate & Fee Schedule During Application Process