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Hilton Honors American Express Surpass® Card card

Hilton Honors American Express Surpass® Card

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
$150
Recommended credit
Excellent / Good
Card network
American Express
Regular purchase APR
20.99% to 29.99% variable based on creditworthiness and Prime Rate
Compare this card
Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

If you regularly stay at Hilton properties, the accelerated ability to earn bonus points and a sizable introductory bonus offer help the Hilton Honors American Express Surpass Card really stand out. Card members also receive complimentary Hilton Honors Gold status, which entitles them to guaranteed member discounts, digital check-in, complimentary breakfast, and a host of other perks, all for a competitive annual fee.

Our review of the Hilton Honors American Express Surpass® Card

If you’re a frequent guest at Hilton properties and want to maximize your rewards potential, the Hilton Honors American Express Surpass Card is worth considering. With a reasonable annual fee and the ability to earn points for free night stays, room upgrades, and other perks, this credit card is a solid choice for Hilton enthusiasts.

How to Earn Rewards

By signing up for the Hilton Honors American Express Surpass Card, you can take advantage of a generous welcome offer of bonus Hilton Honors Points after meeting the required spending threshold within the first three months. Additionally, you can earn enhanced points on eligible purchases, including purchases at Hilton hotels, U.S. restaurants, supermarkets, and gas stations.

Travel Card Comparison

When compared to other popular travel credit cards like the Hilton Honors Surpass Mastercard, Titanium Card, and Chase Sapphire Preferred, the Hilton Honors American Express Surpass Card stands out for its competitive rewards structure and benefits.

How to Redeem Hilton Points

Redeeming Hilton Honors points is easy and offers flexibility. You can book free night stays at participating Hilton properties, transfer points to over 40 airline loyalty programs, shop for merchandise, or share points with loved ones.

Other Travel Benefits

In addition to earning points, the Hilton Honors American Express Surpass Card offers a free weekend night annual bonus for high-spending cardholders. While the complimentary Priority Pass Select membership feature has been removed, the card still provides valuable savings opportunities before, during, and after your Hilton stays.

Hilton Credit Card Comparison

Hilton and American Express offer several co-branded credit cards, each with unique benefits and rewards structures. The Hilton Honors Surpass Card stands out for its elevated points earning potential and exclusive perks.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • 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
  • 6X Hilton Honors points per $1 spent on purchases at U.S. restaurants, U.S. supermarkets, U.S. groceries, U.S. online retail, and U.S. gas stations
  • 3X Hilton Honors points on all eligible purchases
  • Complimentary Gold status with your card
  • Free Weekend Night Reward after spending $30,000 on your card in a calendar year
  • No foreign transaction fees
  • Earn 170,000 bonus points and a free night after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 3 months of Card Membership

Who this card may suit

  • You regularly stay at Hilton properties and want to quickly earn Hilton Honors Bonus Points
  • You will spend enough with the card in the first three months of opening an account to earn a very generous welcome offer
  • You want the convenient benefits that come with complimentary Hilton Honors Gold status, as well as Hilton Honors Diamond
  • status if you spend $40,000 on eligible purchases through the end of the next calendar year

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual Fee$150
Regular Purchase APR20.99% to 29.99% variable based on creditworthiness and Prime Rate
Cash Advance APR29.99% variable based on the Prime Rate
Cash Advance Transaction FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR29.99% variable based on the Prime Rate
Late Payment Penalty FeeUp to $40
Return Payment Penalty FeeUp to $40

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.

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