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Update: Some offers mentioned below are no longer available. View the current offers here – Hilton Honors Surpass Card from American Express

Hilton and American Express just announced updates to its existing products as well as some new cards that will become available on January 18, 2018. However, that’s not all. Currently, if you sign up for the Hilton Honors Surpass Card from American Express, you can earn up to 125,000 Hilton Honors points.

This sign-up offer is only available through The Points Guy, and it’s a large jump from the previously available bonus of 75,000 Hilton points after you spend $3,000 in the first three months. With the elevated offer, you’ll earn 100,000 bonus points after spending $3,000 in the first three months of cardmembership, plus an additional 25,000 when you spend another $1,000 in your first six months.

Is It Worth It?

Prior to this offer, the highest sign-up bonus we’d seen on the Hilton Surpass Amex was 100,000 points. With this new bonus, you’ll get 25,000 extra points — and it only requires spending $1,000 more on the card in your first six months.

Based on TPG’s valuations, 125,000 Hilton Honors points are worth $750. We’ll be circling back with a post on some of the best ways to redeem that specific haul of points, but in the meantime see our post on using 75k Hilton points.

The Surpass Card has a $75 annual fee, but remember that this card will actually become the Hilton Honors American Express Ascend Card on January 18, 2018, at which point it will command a higher $95 fee. However, if you sign up for the card now while it’s still technically the Surpass Amex, you’ll pay the current $75 fee for the first year before it increases by $20 to $95.

IMGHilton-Honors-American-Express-Ascend-Card
The Surpass Card will become the Hilton Honors American Express Ascend Card in January 2018.

If you sign up for this card now to nab the 125,000-point bonus, you’ll also automatically receive the updated perks that come with the switch to the Ascend card once it launches on January 18. These include waived foreign transaction fees (the Surpass currently charges a 2.7% fee on purchases made abroad), a free weekend award night when you spend $15,000 in purchases on the card in a calendar year and 10 free Priority Pass lounge passes. Currently, the Surpass Card includes a basic Priority Pass lounge membership, but no visits are free — you have to pay $27 per person per visit. So the updated benefits will actually save you out of pocket if you frequent the 1,000-plus lounges in the network, at least for the first 10 visits.

Those are the benefits that will change once the Ascend Card becomes available, but the rest of the perks will stay the same. You’ll still earn 12x points on Hilton purchases; 6x points at US restaurants, US supermarkets and US gas stations; and 3x points everywhere else. The card will continue to offer complimentary Hilton Honors Gold status, which we value at $980, with the ability to upgrade to Diamond status if you spend $40,000 on the card in a calendar year.

Bottom Line

If you’re after some Hilton points, this is a very tempting offer. 125,000 Hilton Honors points is the highest bonus we’ve ever seen on the Hilton Surpass Amex, and it only requires spending a total of $4,000 in the first six months (keep in mind you have to spend $3,000 of that within the first 3 months). Remember: If you sign up now you’ll soon get some updated perks like waived foreign transaction fees and 10 free Priority Pass lounge visits when the card transitions to the Hilton Honors American Express Ascend Card.  

Image courtesy of the Conrad Bora Bora Nui.

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