Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
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, U.S. supermarkets, and 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.
$95 annual fee.
Rates, fees & offers
Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership. Terms Apply.
APR: 17.24% - 26.24% Variable APR
Penalty APR: 29.99%, Variable
Cash Advance APR: 26.74%, Variable
Balance transfer fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Foreign transaction fee
Recommended credit score
Not sure which card is best for you?
Editor's overall rating
Pros and cons
High rewards rate
No foreign transaction fee
Has annual fee
The Hilton Honors American Express Surpass® Card offers solid rewards for its annual fee of $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.
NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.