Hilton Honors Surpass

Annual fee: $150
Network: amex
Type: personal

Earns 12X points on eligible Hilton purchases, 6X points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, and 3X points on all other eligible purchases.

Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.

Perqt Analysis

Three ways to value this card. Only one of them is yours.

01Published

$500

What the issuer advertises.

02Realistic

Pays out with no hoops.

03Yours

Open your wallet

From your real spend and redemptions.

$500 of the advertised value — 100% — comes with strings attached.

Why Perqt says this

$500 advertised across 2 benefits.
$500 (100%) needs a booking, enrollment, or deadline.
Biggest credit — Free Night Reward (Spend Tier), $300 — comes with conditions.
No-hoops value covers 0% of the annual fee.

Better fit if

You'll actually use Free Night Reward (Spend Tier).
12× on hotels and resorts within the Hilton portfolio matches your spend.

Probably not if

You won't use Free Night Reward (Spend Tier).
You want the fee covered without chasing — $150 short.
You'd forget monthly credits.

How Perqt calculates this

Welcome offer

Earn 130,000 Hilton Honors Bonus Points + A Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass Card in the first 6 months of Card Membership.

Est. value: $780
Minimum spend: $3,000
Within: 6 mo

Earning rates

All other eligible purchases
3×
pts
Hilton Honors
Top earn
Hotels and resorts within the Hilton portfolio
12×
pts
Hilton Honors
U.S. restaurants
6×
pts
Hilton Honors
U.S. supermarkets
6×
pts
Hilton Honors
U.S. Gas Stations
6×
pts
Hilton Honors
U.S. Online Retail purchases
4×
pts
Hilton Honors

On-card benefits & credits

Free Night Reward (Spend Tier)
$300
/Annual
Unlocks after $15000 calendar-year spend on the card. Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your card in a calendar year.
$200 Hilton Credit
$50
/Quarterly
Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio.
Baggage Insurance Plan
$0
/As needed
Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket on an Eligible Card.
Hilton Honors® Gold Status
$0
/Annual
Enjoy 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), space-available room upgrades at select properties, and more.
Global Assist® Hotline
$0
/As needed
National Emerald Club Executive Status
$0
/Annual
Complimentary National Car Rental Emerald Club Executive status, including Executive Area access on eligible full-size reservations and above in the U.S. and Canada. Enrollment through the American Express online account is required; National program terms apply.
Car Rental Loss and Damage Insurance
$0
/As needed
Secondary coverage for damage to or theft of a rental vehicle when you decline the rental company's collision damage waiver, up to $50,000 per rental agreement.
Amex Special Ticket Access
$0
/As needed
Access Amex Presale Tickets and Amex Reserved Tickets for select sports, music, and other events, plus additional perks at select events. Tickets and seats are limited and subject to availability.
No Foreign Transaction Fees
$0
/As needed
There are no fees for foreign transactions made with your Hilton Honors Surpass® Card.
Hilton Honors Upgrade to Diamond Status (Spend Tier)
$0
/Annual
Unlocks after $40000 calendar-year spend on the card. Earn an upgrade to Hilton Honors Diamond status through the end of the following calendar year.
Purchase Protection
$0
/As needed
Your Membership can help protect them for up to 90 days from the Covered Purchase date.
Extended Warranty
$0
/As needed
Matches the Original Manufacturer's Warranty for up to one additional year when you use your Eligible Card. Applies to warranties of 5 years or less.

Other American Express cards

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