The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Limited-Time Offer
Earn 130,000 Hilton Honors Points + a Free Night Reward
Earn 130,000 Hilton Honors 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. Offer ends 01/13/2027.
3 - 12X points
$150
19.74%-28.74% Variable
Good to Excellent
It also gives you a fifth night free when you book with points, an 80% earning bonus during stays and room upgrades to executive suites when available. Finally, you’ll get up to $50 each quarter to spend at Hilton properties. (Partner offer)
Read the full reviewIf you frequent Hilton Hotels, but never find yourself achieving Gold or Diamond status, the Hilton Honors American Express Surpass card is for you. This credit card is a great way to earn rewards that you can redeem at Hilton properties.
As a cobranded Hilton card, the Hilton Honors American Express Surpass card earns a high number of points on every Hilton purchase. You’ll earn 12 points per dollar spent at Hilton Hotels and Resorts. You'll earn 6 Hilton points per dollar spent at U.S. restaurants (including takeout and delivery), U.S. supermarkets and U.S. gas stations. The Hilton Surpass also earns 4 points per dollar spent on U.S. online retail purchases, which can be maximized when clicking through shopping portals. Finally, you'll get 3 points per dollar spent on all other eligible purchases.
Rewards Rates
Intro Offer
Limited-Time Offer
Earn 130,000 Hilton Honors Points + a Free Night Reward
Earn 130,000 Hilton Honors 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. Offer ends 01/13/2027.
Ongoing Purchases APR
19.74%-28.74% Variable
Ongoing Cash Advance APR
28.99% Variable
Ongoing Penalty APR
29.99% Variable
Annual Fee
$150
Recommended Credit
Good to Excellent
More Details