Hilton Honors Surpass
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View OfferEarn 165,000 Hilton Honors points after spending $3,000 in the first 6 months.
Benefits and fees last verified Jun 2026against the issuer's published terms.
The sweet spot in the Hilton lineup. Gold status gets you free breakfast worth $30-50 per stay, and the free weekend night after spend typically covers a $300+ stay.
Earning Rates
At a glance
- Automatic Gold status
- Free Night Reward after $15k annual spend
- $200 Hilton credit/year
- 12x at Hilton
Earning rates
1- 18%
Complimentary Hilton Honors Gold Elite status for as long as you remain a Card Member (provides a 80% bonus on base points for 18 points per dollar on Hilton stays, complimentary daily food and beverage credit at participating brands including Hilton-branded U.S. properties, room upgrades when available at check-in, free standard Wi-Fi, and the 5th-night-free benefit on standard-room reward stays of five or more nights)
Statement credits
3- $200Hilton CreditQuarterly
Up to $50 in statement credits each calendar quarter (up to $200/year) on purchases made directly with properties in the Hilton portfolio (not resort-limited).
- $200Up to $200 annual Hilton Resort statement credit
Up to $200 annual Hilton Resort statement credit: up to $50 in statement credits each calendar quarter (Q1, Q2, Q3, Q4) on eligible purchases made directly with participating Hilton Resorts; credit is delivered as a statement credit after the eligible Resort charge posts and unused quarterly buckets do not roll over (refreshed credit structure introduced in the 2024 product update)
- $100Up to $100 on-property credit at participating Waldorf Astoria and Conrad hotels
Up to $100 on-property credit at participating Waldorf Astoria and Conrad hotels: covers eligible on-property charges (dining, spa, other property charges) on a paid stay of two or more consecutive nights booked through Amex Travel with a Surpass-specific rate (this credit was added in the 2024 refresh and matches the structure of the Aspire on-property credit at a lower stay threshold)
Perks & memberships
6- Authorized users$0 introductory annual fee for the first year, then $150 (the American Express product page header for the Hilton Honors American Express Surpass Card reads 'Annual Fee: $0 introductory annual fee for the first year, then $150.'); the stored annualFee holds the ongoing $150 tier; authorized users have no annual fee, although authorized-user spend pools to the primary cardholder for earning category bonuses
- Free nightHilton Honors 5th Night Free on standard-room award stays of five or more nights paid entirely with Hilton Honors Points (a published Hilton Honors Silver-and-above benefit that Gold-status Surpass holders automatically qualify for; effectively a 20% discount on long award stays)
- No foreign feesNo foreign transaction fees on purchases made outside the United States (a meaningful improvement vs many sub-$200-AF hotel cards and a fit for international Hilton stays)
- Payment flexibilityPay Over Time / Plan It: eligible cardholders can split purchases of $100 or more into fixed monthly installments with a fixed fee instead of interest, giving the Surpass installment flexibility (Plan It availability is determined by Amex based on cardholder eligibility)
- Hotel benefitHilton Honors point pooling: Hilton allows up to ten Honors members to pool points without fees, and there are no airline-mile fuel-surcharge issues on Hilton's own properties since Hilton's award charts are revenue-based (this is a Hilton-program benefit Surpass cardholders inherit via point earning)
- Authorized usersAuthorized Users (Additional Cards): no annual fee per authorized user (a notable saving vs cards like the Amex Platinum), and each authorized user's eligible spend earns Hilton Honors points credited to the primary cardholder's account
Travel & purchase protections
5- Car Rental Loss and Damage Insurance (secondary coverage): when you decline the rental company's collision-damage waiver and charge the entire eligible rental to the Card, you receive secondary coverage for damage to or theft of a covered rental vehicle (secondary to your personal auto insurance and to any other applicable insurance)
- Trip Cancellation and Trip Interruption Insurance (per the 2024-refreshed Surpass benefit guide): coverage for prepaid, non-refundable common-carrier travel charged to the Card and canceled or cut short due to a covered reason (lower per-trip and aggregate caps than the Aspire's $10,000/$20,000 structure; consult the most recent Surpass Guide to Benefits for current limits)
- Purchase Protection: covers eligible new purchases for up to 90 days from the date of purchase against accidental damage, theft, or loss, up to $1,000 per occurrence and up to $50,000 per Card Account per calendar year
- Extended Warranty: extends an eligible U.S. manufacturer's warranty of 5 years or less by up to one additional year, up to $10,000 per item and up to $50,000 per Card Account per calendar year, when the item is charged in full to the Card
- Global Assist Hotline: 24/7 medical, legal, financial, and translation referrals plus emergency coordination when traveling more than 100 miles from home (cardholder pays third-party costs; coordination itself is free)
Before you decide, weigh alternatives
Lower-fee cards in the same category. A cheaper card can be the better fit if you will not use enough perks to earn back a bigger fee.
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How to Earn the Bonus
Spend $3,000 in the first 6 months to earn the 130,000 Hilton Honors Bonus Points bonus.
See the Current Offer
Earn 130,000 Hilton Honors Bonus Points
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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