Hilton Honors American Express Surpass Card 2026 Review

Annual fee
$150
Rewards rate
12%-6%
Welcome Bonus
130,000 points
Apply Now →on American Express's website
Regular APR:19.49%-28.49% Variable APR

  • 12%Points on Hilton purchases
  • 6%Points at U.S. restaurants, supermarkets, and gas stations
  • 3%Points on all other purchases

Welcome Bonus:

Earn 130,000 bonus points after you spend $3,000 on eligible purchases within the first 6 months.

Reward Rate:

Earn 12x points on Hilton purchases, 6x points at U.S. restaurants, supermarkets, and gas stations.

APR:

19.49%-28.49% Variable APR

The Hilton Honors American Express Surpass Card is an excellent choice for frequent Hilton guests, offering substantial rewards on hotel stays and dining. Its automatic Gold status and generous welcome bonus make it a standout option for travelers looking to maximize their Hilton experiences.

Pros:

  • High rewards on Hilton stays
  • Automatic Gold status

Cons:

  • Annual fee applies after the first year
  • Limited to Hilton for top rewards
Apply now →

The Hilton Honors American Express Surpass Card is well-suited for frequent travelers who regularly stay at Hilton properties and seek to earn significant rewards on their hotel expenditures and dining. With a competitive annual fee and valuable perks, it offers a strong option for those looking to enhance their Hilton experience while enjoying added benefits.

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