American Express
Hilton Honors American Express Surpass Card
Estimated value every year on typical spending
$76/ year
Every year, after the annual fee. Year one adds a $650 welcome bonus: $726
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Credits & perks, at estimated real use: Hilton Credit $200 → $70
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
On typical spending the Hilton Honors American Express Surpass Card returns about $226 a year in rewards and usable credits, which covers its $150 fee with $76 to spare. The welcome bonus adds roughly $650 in the first year.
The fine print
- Intro APR
- Not listed
- Regular APR
- 19.74% to 28.74% variable
- Foreign fee
- None
- Top perk
- $200 Hilton Credit
- Approval
- Good credit recommended
- Redeem for
- Airline/hotel bookings · Loyalty program transfers · Gift cards
Rewards
- 12X Hilton Honors Bonus Points on eligible Hilton purchases
- 6X Points at U.S. restaurants, supermarkets, and gas stations
Sign-up bonus
130,000 Hilton Honors Bonus Points + A Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership.
Best for
- Travelers who redeem points
Not ideal for
- People who want plain cash back
Trade-offs: Higher annual fee ↔ richer rewards & perks; Better travel value ↔ less straightforward than cash back; Large welcome bonus ↔ higher spend requirement.
Worth knowing
- Annual fee
- $150
- Intro APR
- Not listed
- Regular APR
- 19.74% to 28.74% variable
- $1200/mo on everyday spending earns about $72/year (0.5x).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Hilton Honors American Express Surpass Card: questions people ask
Is the Hilton Honors American Express Surpass Card worth it?
On typical spending the Hilton Honors American Express Surpass Card returns about $226 a year in rewards and usable credits, which covers its $150 fee with $76 to spare. The welcome bonus adds roughly $650 in the first year.
What is the Hilton Honors American Express Surpass Card annual fee?
The Hilton Honors American Express Surpass Card has a $150 annual fee. On typical spending its rewards and usable credits come to about $226 a year, so it nets about $76 after the fee.
What is the Hilton Honors American Express Surpass Card welcome bonus?
Earn 130,000 Hilton Honors Bonus Points + A Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. We value it at about $650. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Hilton Honors American Express Surpass Card earn?
12X Hilton Honors Bonus Points on eligible Hilton purchases. 6X Points at U.S. restaurants, supermarkets, and gas stations.
What credit score do you need for the Hilton Honors American Express Surpass Card?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Hilton Honors American Express Surpass Card charge foreign transaction fees?
No. The Hilton Honors American Express Surpass Card has no foreign transaction fee.
Compare Hilton Honors American Express Surpass Card
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: American Express product page. Terms change often; confirm them with the issuer before you apply.