Hilton Honors American Express Surpass® Card
on American Express's website
Hilton Honors American Express Surpass® Card
American Express is a NerdWallet Partner
Card details
Limited Time Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 3 months of Card Membership. Offer expires 8/25/2021.
Limited Time Offer: Enjoy $0 intro Annual Fee for the first year, then $95. Offer expires 8/25/2021.
Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
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.
Earn 6X 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.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
Terms Apply.
Rates, fees & offers
Annual fee
$0 intro for the first year, then $95
Rewards rate
3x-12x
Bonus offer
Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 3 months of Card Membership. Offer expires 8/25/2021. Plus, enjoy $0 intro Annual Fee for the first year, then $95. Offer expires 8/25/2021. Terms Apply.
Intro APR
N/A
Ongoing APR
APR: 15.74% - 24.74% Variable APR
Cash Advance APR: 25.24%, Variable
Penalty APR: 29.99%, Variable
Foreign transaction fee
None
Recommended credit score
Compare to other cards
Annual Fee$0 intro for the first year, then $95 | Annual Fee$95 | Annual Fee$0 intro for the first year, then $95 |
Regular APR15.99% - 22.99% Variable APR | ||
Intro APRN/A | Intro APRN/A | Intro APR0% intro APR on Purchases for 12 months |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
Rating details
4.7
Editor's overall rating
Pros and cons
Pros
High rewards rate
No foreign transaction fee
Cons
Has annual fee
The Hilton Honors American Express Surpass® Card offers solid rewards for its annual fee of $0 intro for the first year, then $95 — but it lacks a key benefit that other hotel cards offer at the same price point: an automatic annual free night after every cardmember anniversary.
The card does have a large welcome offer, and it earns robust ongoing rewards:
-12 points per dollar spent on eligible purchases with a hotel or resort within the Hilton portfolio. Terms apply.
-6 points per dollar spent on eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Terms apply.
-3 points per dollar spent on all other eligible purchases. Terms apply.
You’ll also get automatic elite status and 10 free visits to airport lounges in the Priority Pass Select network every year. Terms apply.
For more information, visit our full review.
