American Express · Personal

Hilton Honors Surpass

A $150-a-year card earning Hilton Honors: 12× on Hotels (Portal), 3× on everything else.

Year one and year two

Is it worth it for you?

Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.

Line	Year one	Year two
Signup bonus 130,000 points · spend $3,000 in eligible purchases on the Card in the first 6 months of Card Membership	$542	–
Points on your spend Enter your spending	$0	$0
Credits you’d use None ticked yet	$0	$0
Annual fee Charged each year	−$150	−$150
NetYear one includes the bonus · at your inputs · our estimates*	$392	−$150

The bonus needs $3,000 in eligible purchases on the Card in the first 6 months of Card Membership.

Compare whole wallets See how the Hilton Honors Surpass does beside the cards you already hold.

Earning structure

Category	Points per $1	Worth per $100 (our estimate)*
Hotels (Portal)	12×	$5.00
Dining US only Notes US only	6×	$2.50
Gas Stations US only Notes US only.	6×	$2.50
Groceries US only Notes U.S. only.	6×	$2.50
Online Retail US only Notes U.S. online retail purchases only.	4×	$1.67
All Other	3×	$1.25

The rest of the card

Card details

Application rules4

Amex 1/10
Amex allows only one bonus per specific card per lifetime. However, when a "No Lifetime Language" offer is available, it means you can receive the sign-up bonus even if you've held that card previously and already earned its bonus. These offers are rare and are usually targeted to specific individuals/businesses, either through email, physical mail, or direct application links.
Amex 3/90
You'll be declined if you apply for a fourth Amex card in 90 days.
No 5/24
Card approval not subject to 5-personal-cards-in-24-months rule
Amex Family
Amex will most likely disqualify you from receiving the welcome offer on lower-tier cards if you've previously held the higher-tier cards within the same card family. Note: The rule doesn't apply to business cards but if they apply it in the future, it'll be retroactive, and you won't be able to get lower card bonuses if you have a higher bonus card.

Benefits8 · 3 high value

Instant Perks & Status High valueComplimentary Gold Status + 3 more instant perks & status benefits
Credits & Discounts $200 Annual Credit
Earn Perks & Status Earn a Free Night + 1 more earn perks & status benefit
Travel Protections Baggage Insurance Plan

Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.

Alternatives

	Hilton Honors Surpass	Hilton Honors	Hilton Honors Aspire	IHG One Rewards Premier
Annual fee	$150	$0−$150	$550+$400	$150Same
Signup bonus	130,000 pts	100,000 pts	175,000 pts	180,000 pts
Top rate	12×Hotels (Portal)	7×Hotels (Portal)	14×Hotels (Portal)	10×Hotels (Portal)
Travel value *	0.42¢Hilton Honors	0.42¢Hilton Honors	0.42¢Hilton Honors	0.56¢IHG Rewards
Why it’s here	This card	Same issuer and the same Hilton Honors points, with no annual fee	Same issuer and the same Hilton Honors points	Same $150 annual fee

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