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Hilton Honors American Express Surpass® Card

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Card review

Hilton Honors American Express Surpass® Card

4.6 9.2/10 DebitCue Score Verified Jun 20, 2026

Mid-tier Hilton card with Gold status, $200 in hotel credits, and a strong welcome offer.

Fee: $150 USD/yr; Waived first year ($0 intro annual fee)
Purchase APR: 19.49% - 28.49%
Interest-free: -
Foreign fee: None

Rewards

12x Hilton points on Hilton purchases; 6x at U.S. restaurants, supermarkets, and gas stations; 4x on U.S. online retail; 3x on all other purchases

Welcome offer

130,000 Hilton Honors bonus points after $3,000 spend in first 6 months

Our verdict

What stands out, and where it falls short.

What we like

12x Hilton points on Hilton purchases; 6x at U.S.…
Welcome bonus
No foreign transaction fees

Worth weighing

$150 USD/yr card fee

Who It Is For

Whether the Hilton Honors American Express Surpass® Card fits how you actually spend.

Pick it if you are

Frequent travelers
People who want rewards on their spending

Skip it if you are

Light spenders who won't beat the $150 USD/yr fee

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: $150 USD/yr
Purchase APR: 19.49% - 28.49%
Interest-free period: -
Foreign transaction fee: None

Rewards and features

Rewards: 12x Hilton points on Hilton purchases; 6x at U.S. restaurants, supermarkets, and gas stations; 4x on U.S. online retail; 3x on all other purchases
Welcome offer: 130,000 Hilton Honors bonus points after $3,000 spend in first 6 months
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
Hotel Elite Status: Complimentary Hilton Honors Gold status (free breakfast at most properties, room upgrades)
Free Night Award: Earn 1 Free Night Reward after $15,000 in eligible purchases in a calendar year

Benefits and perks

Extras that come bundled with the card.

No foreign transaction fees
Up to $200/yr in Hilton property statement credits
Complimentary National Car Rental Emerald Club Executive status

Eligibility

What you need before you apply.

Recommended Credit: Good to Excellent (670+)

Hilton Honors American Express Surpass® Card: your questions answered

How much does the Hilton Honors American Express Surpass® Card cost?

The Hilton Honors American Express Surpass® Card costs $150 USD/yr. Waived first year ($0 intro annual fee).

What rewards does the Hilton Honors American Express Surpass® Card earn?

The Hilton Honors American Express Surpass® Card earns 12x Hilton points on Hilton purchases; 6x at U.S. restaurants, supermarkets, and gas stations; 4x on U.S. online retail; 3x on all other purchases.

Does the Hilton Honors American Express Surpass® Card charge foreign transaction fees?

No - the Hilton Honors American Express Surpass® Card has no foreign transaction fees, so it suits spending abroad.

What is the interest rate on the Hilton Honors American Express Surpass® Card?

The Hilton Honors American Express Surpass® Card has a purchase APR of 19.49% - 28.49%.

Does the Hilton Honors American Express Surpass® Card have a welcome offer?

Yes - 130,000 Hilton Honors bonus points after $3,000 spend in first 6 months.

Is the Hilton Honors American Express Surpass® Card a credit, debit or prepaid card?

The Hilton Honors American Express Surpass® Card is a credit card issued by American Express on the American Express network.

Does the Hilton Honors American Express Surpass® Card support Apple Pay and Google Pay?

Yes - the Hilton Honors American Express Surpass® Card works with both Apple Pay and Google Pay.

Where can I get the Hilton Honors American Express Surpass® Card?

The Hilton Honors American Express Surpass® Card is currently offered in United States.

How does DebitCue rate the Hilton Honors American Express Surpass® Card?

DebitCue rates the Hilton Honors American Express Surpass® Card 4.6 out of 5 (9.2/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Hilton Honors American Express Surpass® Card?

Use the Apply now button to continue on American Express's secure site. Comparing and applying through DebitCue is free.