Hilton Honors American Express Surpass® Card
Hilton Honors American Express Surpass® Card
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Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card
See Rates & Fees, Terms Apply

Partner Offer

Our rating:4.7 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent

Credit Recommended

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply now at American Express's secure site
Intro Bonus
Earn 130,000 Hilton Honors Bonus PointsEarn 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.
Reward Rates
12XEarn 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.
6XEarn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
4XEarn 4X Points for each dollar on U.S. Online Retail Purchases.
3XEarn 3X Points for all other eligible purchases on your Card.
Balance Transfers Intro APR
N/A
Purchases Intro APR
N/A
Regular APR
20.24%-29.24% Variable
Annual Fee
$0 introductory annual fee for the first year, then $150.

Great for:

Hotel stays. Love everything Hilton? Earn a whopping welcome bonus, then earn 12X Hilton Honors Bonus Points at participating Hilton Portfolio properties. And if you are looking for flexibility with your new card, there are also opportunities to earn points at U.S. restaurants, U.S. supermarkets and U.S. gas stations.

See more of the best hotel credit cards.

Highlights

  • 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.

Features

  • EMV
    EMV
  • Gas
    Gas
  • Hotel
    Hotel
  • Mobile Pay Ready
    Mobile Pay Ready
  • No Foreign Transaction Fees
    No Foreign Transaction Fees
  • Points
    Points
  • Rewards
    Rewards
  • Roadside Assistance
    Roadside Assistance
  • Travel
    Travel
  • Unsecured credit card
    Unsecured credit card
  • Zero Fraud Liability
    Zero Fraud Liability

Staff Review

Editor's Rating:

4.7 out of 5

Our take: A good value for Hilton hotel fans, the Surpass card makes it easy to quickly earn free nights with an ample point bonus on U.S. gas station, U.S restaurant, U.S. supermarket and Hilton hotel purchases and it also comes with a substantial welcome offer.

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All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.