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
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
| Learn more | Learn more | |
Annual fee$95 | Annual fee$99 | Annual fee$199 |
Regular APRSee Terms | ||
Intro APRN/A | Intro APR0% intro APR for 15 months on balance transfers made within 45 days of account opening. | Intro APRN/A |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
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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.
