Rates, fees & offers
Foreign transaction fee
Recommended credit score
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Editor's overall rating
The Hilton Honors American Express Surpass® Card offers solid rewards for its annual fee of $0 intro annual fee 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 when you enroll. Terms apply.
For more information, visit our full review.
To view rates and fees of the Hilton Honors American Express Surpass® Card, see this page.