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Pros & Cons
Pros
- +Welcome Bonus: 130,000 points
- +Up to 6x on groceries
- +Purchase protection included
Cons
- –High annual fee ($150/yr)
- –No lounge access
Our Review
Maximize Your Hilton Honors Rewards with the Hilton Honors American Express Surpass® Card
- 130,000 bonus points + a Free Night Reward after $3,000 in purchases within 6 months
- $150 annual fee
- 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.
Rewards
All Spending
3x
Hilton Honors pts per dollar
Groceries
6x
Hilton Honors pts per dollar
Gas
6x
Hilton Honors pts per dollar
Restaurants
6x
Hilton Honors pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
133,200
Hilton Honors/yr
Estimated Value
$1,332
After Fees
+$1,182
1st Year Value
$2,482
incl. welcome bonus
Breakdown
Perks & Benefits
Travel Credits
$200
Additional Benefits
Travel Insurance
Lost Baggage
Up to $1,250
Purchase Protection
Purchase Protection
Up to $1,000 / 90 days
Extended Warranty
+1 years
Auto Rental Collision (secondary)
Up to $50,000 / 30 days
Fees and interest rates
- Annual Fee$150
- Foreign currency conversion fee0%
Terms & Conditions
Card Features
- Earn 130,000 Hilton Honors Bonus Points + a Free Night Reward after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership.
- 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.
- $150 annual fee.
- 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.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 American Express. All trademarks are property of their respective owners.