Hilton Honors American Express Surpass Card
| Annual fee | $150 Fact |
| Foreign transaction fee | None |
| Rewards currency | Hilton Honors Points |
| Est. point value | 0.40¢ Estimate |
Last updated Oct 17, 2026
Checked Oct 28, 2026
Before you apply
General American Express policies as commonly reported by applicants, not a prediction about your application.
Sign-up bonus history
5-year best: 165,000 pointsView as a table
| Period | Bonus | Spend requirement |
|---|---|---|
| Oct 2021 to Mar 2023 · 16 mo | 130,000 points | $2,000 |
| Mar 2023 to Apr 2023 · 27 days | 150,000 points | $3,000 |
| Apr 2023 to Nov 2024 · 19 mo | 130,000 points | $2,000 |
| Nov 2024 to Jan 2025 · 2 mo | 165,000 points Best | $3,000 |
| Jan 2025 to Oct 2026 · 21 mo | 130,000 points | $3,000 |
| Sep 2026 to now · 2 mo | 130,000 points plus Free Night Reward | $3,000 |
Based on the public offers we have on record over time. Short-lived offers may not appear, and elevated or targeted offers are not shown.
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Hotels | 12x | Hilton Honors Points | No cap |
| Groceries | 6x | Hilton Honors Points | No cap |
| Restaurants | 6x | Hilton Honors Points | No cap |
| Gas and EV charging | 6x | Hilton Honors Points | No cap |
| Online shopping | 4x | Hilton Honors Points | No cap |
| Everything else | 3x | Hilton Honors Points | No cap |
Your elite status
Recurring credits
Estimated value| Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio, up to $200 annually. Shared across the account
|
$200/yr (Quarterly) |
Credit value depends on whether you use each credit; treat these as potential value.
Certificates
Estimated value| Free Night Reward after $15,000 spend | after $15,000 spend |
Benefits & protections
Card factsEarn 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.
Enjoy complimentary Emerald Club Executive status from National Car Rental when you enroll through your American Express online account using your Card, including Executive Area Access in the USA and Canada.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your card in a calendar year.
Complimentary Hilton Honors Gold Status with benefits like an 80% Points earning Bonus on Stays, daily food and beverage credit or complimentary continental breakfast (varies by brand & region), and space-available room upgrades at select properties.
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.
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.
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.
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.
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.
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.
There are no fees on foreign transactions made with your Hilton Honors American Express Surpass Card.
Authorized users on the Hilton Surpass
Card factsAuthorized users are free. Must be 13 or older.
Each authorized user gets
- American Express venue collection
- Baggage insurance plan
- Car rental loss damage insurance
- Extended warranty
- Purchase protection
Shared across the account
- Hilton credit
Primary cardmember only
- Free night reward
- Hilton Honors diamond status upgrade
- Hilton Honors gold status
- National car rental Emerald Club executive status
News on this card
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Article Sep 14, 2026Hilton Aspire Card Welcome Offer Jumps to 200,000 Points
The Hilton Honors Aspire Card now offers 200,000 points after $6,000 in six months, up from 150,000 at the same spend. Offer ends January 13, 2027.
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Article Aug 22, 2026Is Cash Back Better Than Points? Amex Gold vs. 2% Cash Back
Points do convert to money, at 0.6 cents each. Where a flat 2% card wins, where the Amex Gold wins, and why most people should carry both.