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Hilton Honors American Express Surpass® Card
Best Mid-Tier Hilton Card
Hilton Honors American Express Surpass® Card
Annual fee: $150 Rates & Fees
Current welcome offer

Earn 130,000 Bonus Points after you spend $3,000 in purchases in the first 6 months of card membership.

How you earn points
12xpoints on purchases at Hilton properties
6xpoints at U.S. restaurants, U.S. supermarkets, and U.S. gas stations
3xpoints on all other eligible purchases
Full benefits & perks
  • 12x Hilton Honors Bonus Points on eligible purchases at Hilton properties
  • 6x Bonus Points at U.S. restaurants, including takeout and delivery
  • 6x Bonus Points at U.S. supermarkets
  • 6x Bonus Points at U.S. gas stations
  • 4x Bonus Points on U.S. online retail purchases
  • Up to $200 in annual statement credits for purchases at Hilton properties (up to $50 per quarter)
  • Complimentary Hilton Honors™️ Gold elite status
  • Free Night Reward after spending $15,000 on eligible purchases in a calendar year
  • Complimentary National Car Rental® Emerald Club Executive® status
  • No foreign transaction fees

Terms apply. Enrollment is required for certain benefits.

See Rates & Fees

*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

My thoughts

This is a solid mid-tier card with a reasonable annual fee, some useful benefits, and a good welcome offer. My husband and I both opened this card while the offer was previously elevated, which is the best time to open it in my opinion.

How to use your points

Hilton Honors points can be used for free hotel nights at Hilton properties:

  • Book free rooms at Hilton properties using your points
  • Use a combo of points + cash to book a stay
Further reading
Quick recap

The sweet spot in the Hilton lineup — solid benefits without the big annual fee.

  • My husband and I both have this card, so that tells you something!
  • The $200 in annual Hilton property credits goes a long way toward offsetting the $150 fee
  • Gold status is a meaningful upgrade for regular Hilton stays
Learn how to apply →
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

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Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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EDITORIAL DISCLOSURE:

Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.