Hilton Honors American Express Surpass
130,000 points welcome · 12x on hotels · $150/yr
The Hilton Honors Surpass is the sweet spot of the Hilton lineup for regular guests: Gold status out of the box, 6 points per dollar at U.S. restaurants, supermarkets, and gas stations, and 12 points at Hilton hotels and resorts. The welcome offer of 130,000 points plus a Free Night Reward after $3,000 in spend within 6 months is generous for the spend required. The $150 annual fee is covered by up to $200 a year in Hilton credits, paid out at $50 per quarter, if you stay or spend at Hilton properties often enough to use them. A Free Night Reward after $15,000 in calendar-year purchases and Diamond status at $40,000 reward heavier spenders. The catch is that all of this only pays off inside the Hilton ecosystem, and the 3x base rate on everything else is ordinary in value, so occasional travelers may be better off with a flexible-points card.
Earn rates & credits
| Category | Rate |
|---|---|
Hotels Eligible purchases at Hilton hotels and resorts | 12x |
Dining U.S. restaurants | 6x |
Groceries U.S. supermarkets | 6x |
Gas U.S. gas stations | 6x |
Online Shopping Eligible U.S. online retail purchases | 4x |
Everything Else | 3x |
| Benefit | Value |
|---|---|
Hilton Credit Up to $50 per quarter on eligible purchases made directly with Hilton portfolio properties | $50 /qtr |
Venue Collection Concessions Rebate 10% back on qualifying concessions purchases at select stadiums and arenas, up to $250 per calendar year, when the card is enrolled | 10% |
| Total annual credits | $200 |
Card details
Regular APR | 19.49%–28.49% variable |
Foreign transaction fee | None |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Hilton Honors American Express SurpassBased on 1 reported product change. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.