Hilton Honors American Express Surpass Card 2026 Review

Annual fee
$150
Rewards rate
12%-null
Welcome Bonus
130,000 points + Free Night Reward
Apply Now →on American Express's website

  • 12%Points on Hilton purchases

Welcome Bonus:

Earn 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in eligible purchases within the first 6 months.

Reward Rate:

Earn 12 points on Hilton purchases.

This card shines for its high earning potential on Hilton stays and the substantial welcome bonus, making it a top choice for loyal Hilton guests.

Pros:

  • High points earning on Hilton stays
  • Automatic Gold status

Cons:

  • Annual fee applies
  • Limited to Hilton properties
Apply now →

The Hilton Honors American Express Surpass Card is particularly suitable for frequent travelers who regularly stay at Hilton properties, as it offers substantial rewards on hotel spending and a generous welcome bonus. However, those who do not frequently utilize Hilton hotels or prefer a card with no annual fee may find it less beneficial.

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