Hilton Honors American Express Surpass® Card
A $150-annual-fee miles card from American Express National Bank, with airport lounge access and a $1,300 signup bonus.
American Express National Bank · AMEX
- Annual fee
- $150
- Purchase APR
- 19.49–28.49%variable
- Signup bonus
- $1,300
- Foreign transaction
- None
Earn Rules
| Dining | 6x Hilton |
| Grocery | 6x Hilton |
| Gas | 6x Hilton |
| Online Shopping | 4x Hilton |
| All Other | 3x Hilton |
Points are converted to cash at a conservative per-program rate. Most programs publish no guaranteed cash value, so those rates are estimates of typical redemption value, not guarantees. Actual value depends on how you redeem. See how we value points →
Rates with strings attached
These apply only at a specific brand, or need something beyond how you spend, like a balance held with the issuer or a status tier. They are real, but we do not count them in the value above, which uses the rates any cardholder earns on ordinary spending.
| directly with hotels and resorts within the Hilton Portfolio | 12x Hilton |
Statement Credits
Each credit shown at full face value. The NAV math counts the total. What you actually use is your call.
| Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchasesyearSource ↗ | $400/yr |
| $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolioquarterlySource ↗ | $200/yr |
| Total credits / year we count | $600 |
The total counts each credit at face value, and only the ones reachable at this spending level.
Signup Bonus
Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 on eligible purchases on the Hilton Honors American Express Surpass® Card within your first 6 months of Card Membership.
Value: $1,300 · Spend $3,000 in 6 months
This bonus is counted in full in the card's Year 1 value, and only when your spend meets the requirement. It's excluded from the ongoing value.
Who This Card Makes Sense For
- People who reliably pay their balance in full each month. The 28.49% APR would wipe out the card's other benefits within a single billing cycle of revolving.
- People who will spend $500 a month for the next 6 months anyway. That clears the $3,000 required for the $1,300 bonus, which covers the $150 fee and then some in year one.
- Travelers who will actually use the lounge access. Set what a visit is worth to you in the calculator above. It is counted as $0 until you do, so the $150 fee currently has to be covered by everything else.
Wondering if this card pays off for your situation? Is the Hilton Honors American Express Surpass® Card worth it? →
Other Cards in the Same Fee Tier
A similar annual fee, ranked at the default profile.
- Delta SkyMiles® Gold American Express Card$859 ($113)
- Disney® Inspire Visa® Card$669 ($304)
- Marriott Bonvoy Bountiful® Credit Card$614 ($358)