Hilton Honors American Express Surpass® Card

Offer

Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer Ends 8/13/2025.
Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass Card. That’s up to $200 in statement credits annually.
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 Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 4X Points for each dollar on U.S. Online Retail Purchases.
Earn 3X Points for all other eligible purchases on your Card.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors American Express Surpass 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.
As a Hilton Honors American Express Surpass Card Member, you can enroll to receive complimentary National Car Rental Emerald Club Executive status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
$0 introductory annual fee for the first year, then $150.
Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Fees & Conditions

Annual Fee $95

Foreign Transaction Fee 0.00%

Purchase Rates 20.24% - 29.24% (Variable)

Advantages

Welcome Bonus amount 130,000 Hilton Honors Points

Minimum Spending Required $2,000

Minimum Spending Timeframe (Months) 3 month(s)

Earnings

Per dollar of purchases

All Spending 3 Hilton Honors Points

Groceries 6 Hilton Honors Points

Gas 6 Hilton Honors Points

Dining and Food delivery 6 Hilton Honors Points

Convenience Stores 3 Hilton Honors Points

Drugstores 3 Hilton Honors Points

Local Transport 3 Hilton Honors Points

Travel 3 Hilton Honors Points

Entertainment 3 Hilton Honors Points

Recurring Payments 3 Hilton Honors Points

Telecom/Internet 3 Hilton Honors Points

Streaming services 3 Hilton Honors Points

Online transactions 3 Hilton Honors Points

Office Supplies 3 Hilton Honors Points

Our review

Maximize Your Hilton Honors Rewards with the Hilton Honors American Express Surpass® Card

130,000 bonus points after $3,000 in purchases within 6 months
$0 intro annual fee for the first year, then $150
Up to $200 annual statement credit ($50 per quarter) on eligible Hilton purchases
12X points per $1 on Hilton portfolio stays
6X points per $1 at U.S. restaurants, supermarkets & gas stations
4X points per $1 on U.S. online retail purchases
3X points per $1 on all other eligible purchases
Complimentary Hilton Honors Gold Status and a fast track to Diamond Status
Free Night Reward after $15,000 in annual spend
National Car Rental Emerald Club Executive status (enrollment required)
No foreign transaction fees

Whether you’re booking a quick weekend getaway or a multi‑night resort stay, this card puts powerful rewards and perks in your hands. Offset the annual fee with quarterly statement credits on Hilton stays, then rack up accelerated points on both hotel nights and everyday purchases. Enjoy automatic Gold elite benefits—like room upgrades, complimentary breakfast and bonus points—and use your Free Night Reward to unlock even more value. Manage your Hilton Honors balance seamlessly in the AmEx app and get the most out of every stay.

Terms apply. Statement credits capped at $50 per quarter. Welcome offer and benefits require qualifying purchases. See issuer for full details.