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Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

Hilton Honors American Express Surpass Card card art
Hilton Surpass 1 of 1
Comparing 1 card
Hilton Honors American Express Surpass Card card art
American Express
Hilton Surpass
Apply Details
Cost and value $150 fee
Annual fee
$150
Credits you can use a year, if you use every one
$200
Fee after credits
$50 back credits beat the fee
Point value per point or mile
0.40¢ Estimate
Rewards currency
Hilton Honors Points
Foreign transaction fee
None
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus 130,000 points, about $520
Bonus
130,000 points + Free Night Reward
Estimated value
$520 for the points
Spend to earn it less a month is easier
$3,000 in 180 days about $500 a month
Offer ends
Jan 13, 2027
Earning rates Top rate 12x
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Dining
6x about 2.4% back
Groceries
6x about 2.4% back
Gas
6x about 2.4% back
Online Shopping
4x about 1.6% back
Everything else
3x about 1.2% back
Only on this card
  • 12x Hotels
Statement credits $200 a year
Other credits
  • $200 a year $50 every 3 months
    What counts

    Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio, up to $200 annually.

Monthly credits to track fewer is less work
0
Certificates and passes 1 free night with spend
Free nights
  • Free Night Reward after $15,000 spend
Yearly value certificates that arrive each card year
None
Transfer partners No transfers
Partners
None
Alliance reach
None
Status, lounges and travel Hilton Honors Gold, National Emerald Club Executive
Elite status
  • Hilton Honors: Gold
  • National Emerald Club: Executive after you enroll
Other status perks
  • Earn an upgrade to Hilton Honors Diamond status through the end of the following calendar year after you spend $40,000 in eligible purchases on your Card in a calendar year. Includes a 100% Points earning Bonus on stays, premium Wi-Fi, daily food & beverage credit or complimentary continental breakfast, space-available room upgrades, and executive lounge access at select properties.
Travel benefits
  • Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance.
Protection and insurance 4 coverages
Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.
Baggage
  • Coverage for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket on an Eligible Card. Up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier.
Rental car
  • When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW), you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Secondary coverage, does not include liability coverage. Not available in Australia, Italy, and New Zealand.
Extended warranty
  • Extends the original manufacturer's warranty by up to one additional year on warranties of 5 years or less, up to $10,000 per item and $50,000 per calendar year.
Purchase protection
  • Covered purchases can be protected for up to 90 days from the covered purchase date against theft or accidental damage. Up to $1,000 per covered purchase, up to $50,000 per calendar year.
Lifestyle and other perks 3 perks
Lifestyle and entertainment
  • Card Members can access to purchase Amex Presale Tickets and Amex Reserved Tickets to select can't-miss events across sports, music, and more, plus additional perks when attending select events.
  • Enjoy an enhanced experience at select stadiums and arenas, including dedicated entrances or fast lanes. Enroll your Card and get 10% back on qualifying concessions purchases up to $250 per calendar year. Limit one enrolled Card per eligible Card Member.
Other perks
  • There are no fees on foreign transactions made with your Hilton Honors American Express Surpass Card.
Authorized users Free
Cost
Authorized users are free.
Each one gets
  • American Express venue collection
  • Baggage insurance plan
  • Car rental loss damage insurance
  • Extended warranty
  • Purchase protection
Application rules 2/90
Issuer approval rules
  • 2/90 Community-reported
    What counts

    American Express generally approves at most 2 of its credit cards per 90 days.

  • 5 credit card limit Community-reported
    What counts

    American Express generally limits you to 5 of its credit cards at once.

  • 10 charge card limit Community-reported
    What counts

    American Express generally limits you to 10 of its charge cards at once.

Bonus eligibility
  • Once per lifetime Issuer-stated
    What counts

    American Express welcome offers are generally once per lifetime for each card, unless your specific offer omits the lifetime language.

Card type
Personal