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Hilton Honors American Express Surpass® Card
Reviews
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CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.
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Those who always pay their balances in full and on time will usually come out ahead.
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The offers on the credit card landscape are constantly changing which is great news for consumers.
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In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.
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CompareCards was one of three sites that met all the criteria.
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- Regular Purchase APR 20.24%-29.24% Variable
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee $0 intro annual fee for the first year, then $150
- Credit Needed Good / Excellent
- Card Brand American Express
- Regular Purchase APR 20.24%-29.24% Variable
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee $0 intro annual fee for the first year, then $150
- Credit Needed Good / Excellent
- Card Brand American Express
Highlights
- Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer Ends 8/13/2025.
- Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That's up to $200 in statement credits annually.
- Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
- Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 4X Points for each dollar on U.S. Online Retail Purchases.
- Earn 3X Points for all other eligible purchases on your Card.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
- Enjoy complimentary Hilton Honors ™ Gold Status with your Hilton Honors American Express Surpass® Card.
- Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors™ Diamond Status through the end of the next calendar year.
- As a Hilton Honors American Express Surpass® Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you're enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $0 introductory annual fee for the first year, then $150.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Card Fees
Foreign Transaction Fee
None
Balance Transfer Fee
N/A
Penalty APR
29.99% Variable
Ongoing Information
Rewards Rate
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Earn 4X Points for each dollar on U.S. Online Retail Purchases. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Annual Fee
$0 intro annual fee for the first year, then $150
Expert Reviews
From the CompareCards.com Editorial Team, updated on Jun 12, 2025
The Hilton Honors American Express Surpass® Card is a top travel rewards card for anyone who frequently stays at Hilton hotels.
On top of the big welcome offer, the ongoing rewards rates on this card can help you rack up a lot of points: Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Earn 4X Points for each dollar on U.S. Online Retail Purchases. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
This card also rewards your loyalty with the chance to earn Hilton Honors™ Diamond Status after you spend $40,000 on eligible purchases on your Card in a calendar year. There is a $0 intro annual fee for the first year, then $150. But that fee after the first year can easily be offset by the generous rewards you earn with this card.
Expert Reviews of Hilton Honors American Express Surpass® Card
The Bottom Line
The Hilton Honors American Express Surpass® Card is packed with rewards and benefits. Whether you're already a loyal Hilton customer or just looking to earn great travel rewards, this card could be a great choice. To see rates & fees for Hilton Honors American Express Surpass® Card, please click here.
The Good
The welcome offer is among the best we've seen. Plus, the ongoing rewards rate is extremely high.
The Not so Good
If you don't plan on staying at Hilton properties, the rewards may be difficult to redeem.
Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by American Express.
Consumer Reviews
OFFER RATING
/5.0
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- Credit Needed Good / Excellent
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- Rewards Rate 1.5 Miles per dollar on all purchases.
- 0% Intro APR for Purchases 0% Intro APR for 15 months, then 18.24% - 27.24% Variable APR
- Annual Fee $0
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Highlights
- UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. You could turn 35,000 Miles to 70,000 Miles.
- Automatically earn unlimited 1.5x Miles on every dollar of every purchase
- No annual fee
- Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
- 0% intro APR for 15 months on purchases. Then 18.24% - 27.24% Standard Variable Purchase APR will apply.
- Discover is accepted at 99% of places that take credit cards nationwide.
- Terms and conditions apply.
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Our pick for doubling your cash back
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- Intro Balance Transfer APR 0% intro APR for 18 months on Balance Transfers
- Regular Purchase & BT APR 18.24% - 28.24% (Variable)
- Annual Fee $0
- Credit Needed Fair / Good / Excellent
- Card Brand Mastercard®
- Rewards Rate Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Intro Balance Transfer APR 0% intro APR for 18 months on Balance Transfers
- Regular Purchase & BT APR 18.24% - 28.24% (Variable)
- Annual Fee $0
- Credit Needed Fair / Good / Excellent
- Card Brand Mastercard®
Highlights
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
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Our pick for 1:1 cash back match in your first year
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- Welcome Offer Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Discover
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- Annual Fee $0
- Credit Needed Good / Excellent
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Highlights
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
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- Redeem your rewards for cash at any time.
- Apply and you could get a decision in as little as 60 seconds. No annual fee.
- Start shopping and earning rewards in minutes with your digital card, before your physical card arrives in the mail, if eligible.
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- Terms and conditions apply.
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