Hilton Honors American Express Surpass® Card 2026 Review

Annual fee
$150
Rewards rate
12%-1%
Welcome Bonus
130,000 Hilton Honors bonus points
Apply Now →on American Express's website
Regular APR:19.49%-28.49% Variable APR

  • 12%Points on Hilton purchases
  • 6%Points on dining, gas, and groceries
  • 3%Points on all other purchases

Welcome Bonus:

Earn 130,000 Hilton Honors bonus points plus a Free Night Reward after spending $3,000 in eligible purchases within the first 6 months.

Reward Rate:

Earn 12X points on Hilton purchases, 6X on dining, gas, and groceries.

APR:

19.49%-28.49% Variable APR

The Hilton Honors American Express Surpass® Card is designed for Hilton loyalists, offering exceptional rewards on Hilton stays and dining. Its combination of automatic Gold status and substantial statement credits makes it a valuable asset for frequent travelers who prioritize Hilton properties.

Pros:

  • Automatic Hilton Honors Gold status
  • Up to $200 in annual Hilton statement credits

Cons:

  • Annual fee applies
  • Requires frequent Hilton stays to maximize value
Apply now →

The Hilton Honors American Express Surpass® Card is well-suited for frequent travelers who regularly stay at Hilton properties and seek to maximize their rewards through the hotel chain's loyalty program. With a competitive rewards structure and additional benefits like automatic Gold status, it offers significant value for those who prioritize Hilton stays and related expenses.

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