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American Express

Hilton Honors American Express Surpass Card

The Surpass is the mid-tier Hilton cobrand at $150 a year, sitting between the no-fee Hilton Honors and the $550 Aspire. Auto-Gold status, a $200 calendar-year Hilton credit broken into four $50 quarterly chunks, and a free night reward at $15,000 in annual spend make it the right Hilton card for occasional-but-not-frequent Hilton stays. If you spend $40,000 on the card in a year, Diamond status kicks in.

See current offer Issuer terms
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
    Not disclosed

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

Similar cards

Cards with the most in common, based on the math.

  • Hilton Honors American Express Card card art
    Hilton Honors American Express Card
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    Hilton Honors is the no-annual-fee entry to the Hilton trio.

    $0 annual fee
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  • Marriott Bonvoy Boundless Credit Card card art
    Marriott Bonvoy Boundless Credit Card
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    The Boundless is the mid-tier Marriott cobrand at $95 a year, sized for occasional Marriott stays.

    $95 annual fee
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  • Hilton Honors American Express Aspire Card card art
    Hilton Honors American Express Aspire Card
    Amex

    The Aspire is the only Hilton card worth keeping for non-Hilton-loyalists: $400 in Hilton Resort credits, $200 flight credit, $209 CLEAR+, an annual free night good at almost any Hilton, and complimentary Diamond status that turns regular Hilton stays into upgrades, premium Wi-Fi, and lounge access at select properties.

    $550 annual fee
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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.