Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card

on American Express's website

Hilton Honors American Express Surpass® Card

American Express is a NerdWallet Partner

Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card

on American Express's website

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Card details

  • 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. Plus, you can earn up to $130 in Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of 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 hotels and resorts 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.

  • $95 annual fee.

  • Terms Apply.

Rates, fees & offers

  • Annual fee

    $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. Plus, you can earn up to $130 in Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Membership. Terms Apply.

  • Intro APR

    N/A

  • Ongoing APR

    APR: 16.49%-25.49% Variable APR

    Cash Advance APR: 25.99%, Variable

    Penalty APR: 29.99%, Variable

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Learn moreLearn more
Annual fee

$95

Annual fee

$99

Annual fee

$199

Regular APR

16.49%-25.49% Variable APR

Rates & Fees

Regular APR

16.24%, 20.24% or 25.24%, Variable APR

Rates & Fees

Regular APR

See Terms

Intro APR

N/A

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Kimberly Palmer

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

5

Editor's overall rating

Pros and cons

Pros
  • High rewards rate

  • Automatic elite status

  • Luxury perks

Cons
  • Has annual fee

  • No free anniversary night

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 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.