Hilton Honors American Express Surpass Card

The Surpass is the mid-tier Hilton cobrand at $150 a year, positioned between the no-fee Hilton Honors and the $550 Aspire. It carries Auto-Gold status, a $200 calendar-year Hilton credit delivered in four $50 quarterly chunks, and a free night reward once you reach $15,000 in annual spend, which together make it the right Hilton card for stays that are occasional rather than frequent. Put $40,000 on the card in a year and Diamond status follows.

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Hilton Honors American Express Surpass Card card art

Annual fee

$150

$12.50/mo equivalent
Welcome offer

130,000 points

~$650 in Hilton stay value (≈0.5¢/point)
after $3,000 in 6 months
Recommended credit

670-750

Median 715. See why →

Earning rates

on Hilton Honors

12x

Hotels Resorts

Direct booking only
6x

Dining

U.S. restaurants
6x

Gas

U.S. only
6x

U.S. Supermarkets

U.S. only
4x

U.S. Online Retail

U.S. only
3x

Everything else

Benefits and credits

Travel credits and perks

Diamond Status Upgrade Path

After $40k spend/year
Free Night Reward

After $15k spend/year

Lifestyle credits

$200 Hilton Statement Credit

$50

Enrollment required

Purchase and protection benefits

Extended Warranty

Up to $10,000

On warranties of 5 years or less
Purchase Protection

Up to $1,000 · 90d

Secondary coverage

Elite status conferred

hilton honors

Gold
hilton honors

Diamond

Conditional on $40,000 spend
national emerald club

Executive

Travel and purchase coverage

Lost luggage

Common carrier only
Rental car collision damage waiver

Secondary coverage

AU/IT/NZ excluded

Pricing and fees

Full Pricing and Terms

Purchase APR: 19.49% to 28.49%
Foreign tx: None
Penalty APR (cap): 29.99%
Balance transfer: Not applicable; Fee Not applicable
Cash advance: 28.74%; Fee $10 or 5.00%, whichever is greater
Late / returned: $40 · $40

Eligibility and application

Card type

Unsecured personal card
Pre-qualification

Not disclosed
Application inquiry

Not disclosed
Approval bureau

Not disclosed by issuer
Authorized user fee

Not disclosed
Reports AU to bureaus

Conditional

Reports only positive activity, and only once the AU is 18+. Negative reporting on the primary is removed from the AU's file.
Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

3 data points reviewed

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Sources

Data current as of May 14, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.