| Rewards | Typically earns 12X Hilton Honors points on Hilton stays, 6X points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, and 4X points on U.S. online retail purchases (terms can vary slightly by offer). |
|---|---|
| Signup Bonus | Commonly around 130,000–170,000 Hilton Honors points after meeting a minimum spend (often within 3–6 months). Offers vary by promotion. |
| Annual Fee | $150 |
| Cardmember Agreement | View Here |
| Cash Advance APR | Variable APR, typically 29.99%+ |
| Cash Advance Fee | Greater of $10 or 5% of the amount |
| Late Payment Fee | Up to $40 |
| Purchases APR | Variable APR, generally around 20.24%–29.24%, depending on creditworthiness |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Hilton Honors American Express Surpass Card sits in the middle of Hilton’s lineup and is known for balancing a $150 annual fee with strong hotel-focused rewards and perks. It typically offers high earning rates on Hilton stays, plus bonus categories like dining, groceries, and gas, along with a large welcome bonus in Hilton Honors points.
Most users say the standout benefit is how quickly they can accumulate points for free nights, especially if they stay at Hilton properties even a few times a year. Many reviewers mentioned they also value the elite-style perks, like elevated Hilton Honors status and occasional credits or promotions that make stays more comfortable.
On the downside, people often point out that Hilton points can be inconsistent in value, and redemption rates vary widely depending on the hotel. Others feel the card only really makes sense if you’re staying at Hilton frequently, since everyday spending outside bonus categories doesn’t compete well with top travel or cash-back cards.
Personally, I think this card is best for semi-regular Hilton travelers who want faster free-night earnings and mid-tier perks without paying for a premium hotel card. If you only travel occasionally, the no-fee Hilton card is usually the smarter choice.
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Bro sorry, but some error occurred :O
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amazing
Free nights and points accumulate fast, and elite perks make check ins effortless. I've saved so much on stays, and the card just feels smart for anyone loyal to Hilton.
