Note: We may earn commissions (at no cost to you) if you buy through links on our site. Learn more.

Hilton Honors American Express Surpass® Card review

Compare Compare  
Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
20.99% ‐ 29.99% (Variable)
Interest Rate: Purchases
20.99% ‐ 29.99% (Variable)
Balance Transfer
Balance Transfer
3 - 12 points
3 - 12 points
Signup Bonus
155000 points (after spending $3,000)
Signup Bonus
155000 points (after spending $3,000)

Informr score
The Hilton Honors American Express Surpass® Card currently has an Informr score of 8.8 out of 10. This score is based on our evaluation of 30 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Hilton Honors American Express Surpass® Card is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


This card doesn't come with a free anniversary night, like other hotel cards at cheaper price points do. But its credits and perks can still make it a good deal for Hilton loyalists.

- Claire Tsosie, NerdWallet
One Mile at a Time
One Mile at a Time

The Hilton Honors Surpass Card is an excellent mid-range card that offers a stellar bonus for new members. On top of that, the Hilton Surpass offers valuable ongoing perks. The card can be worth having for the Gold status alone, and the annual fee is easy to justify thanks to the up to $200 in state...

- Ben Schlappig, One Mile at a Time
The Points Guy
The Points Guy

While the Surpass doesn't offer the flexibility of a card like the Amex EveryDay Preferred card or the elite perks of the Amex Hilton Aspire card, it could still be just what you need to make your next stay with the Hilton Honors program even more rewarding. You'll get the benefits of Gold status an...

- Katie Genter, Danyal Ahmed, The Points Guy

Built with Hilton loyalists and everyday spenders in mind, this Hilton card lets you earn your keep on purchases at Hilton properties and on everyday expenses like restaurants, U.S. supermarkets and gas stations. While the welcome offer is lucrative and the rewards program is generous, the inflated...

- Nouri Zarrugh, Bankrate

A good value for Hilton hotel fans, the Honors Surpass card makes it easy to quickly earn free nights with an ample point bonus on U.S. gas station, U.S restaurant, U.S. supermarket and Hilton hotel purchases and it also comes with a substantial welcome bonus.

- Emily Sherman,


Interest Rates
Regular APR Interest Rate 20.99% ‐ 29.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate

Not available

Cash Advance Interest Rate 29.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $150.00

Balance Transfer Fee
Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus 155000 points after spending $3,000

On purchases within the first 6 months.

All Purchases 3 points per $1 spent
Restaurants 6 points per $1 spent

At U.S. restaurants, including takeout and delivery

Gas 6 points per $1 spent

At U.S. gas stations

Groceries 6 points per $1 spent

At U.S. supermarkets

Hotels 12 points per $1 spent

For eligible purchases made directly with hotels and resorts within the Hilton portfolio

Travel No
Pharmacy No
Bills No
Additional Details
  • 4 points per $1 spent on U.S. online retail purchases
  • Earn one Free Night Reward from Hilton Honors after spending $15,000 on purchases on your Card in a calendar year
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Google Pay
Virtual Cards Yes
Additional Benefits
  • Hilton Honors Gold Status
  • $200 Hilton Credit
  • Complimentary National Car Rental® Emerald Club Executive® status
  • Baggage Insurance Plan
  • Global Assist® Hotline
  • Complimentary ShopRunner membership
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
Suggest a correction

Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.

Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

Use this card?

Help inform others by sharing your experience with Hilton Honors American Express Surpass® Card

Rate It: