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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

Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership.

12xpoints on eligible purchases at Hilton properties
6xpoints for each dollar of eligible purchases on your card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations
3xpoints for all other eligible purchases on your card.

  • 12x Hilton Honors Bonus Points on eligible purchases at Hilton properties
  • 6x Bonus Points for each dollar of eligible purchases at U.S. restaurants, including takeout and delivery
  • 6x Bonus Points for each dollar of eligible purchases at U.S. supermarkets
  • 6x Bonus Points for each dollar of eligible purchases at U.S. gas stations
  • 4x Bonus Points for each dollar of U.S. Online Retail purchases
  • Up to $200 in annual statement credits for purchases at Hilton properties (up to $50 per quarter)
  • Enjoy complimentary Hilton Honors Gold Status with benefits like an 80% Points earning Bonus on Stays, daily food & beverage credit or continental breakfast (varies by brand & region), space-available room upgrades at select properties, and more.
  • Free Night Reward after spending $15,000 on eligible purchases in a calendar year
  • Hilton Honors American Express Surpass® Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
  • 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.


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.


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

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
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.