Hilton Honors Surpass
American Express$150 a yearNo foreign transaction feeIssuer's page
Already have it? Keep it if what you use each year covers the fee.
Welcome bonus
130,000points
+ 1 Free Night Award
after $3,000 in purchases in the first 6 months
Once in a Lifetime Rule, 1 per 5 Days and 3 more. Am I eligible?
Miles' first-year value is unavailable right now.
Earning
| Rate | Category | Return |
|---|---|---|
| 6X | US Grocery Stores | 2.1% |
| 6X | US Dining | 2.1% |
| 6X | US Gas Stations | 2.1% |
| 12X | Hilton purchases | 4.2% |
| 3X | Everything else | 1% |
+ 1 more rate
| Rate | Category | Return |
|---|---|---|
| 4X | US online retail purchases | 1.4% |
Personal card · Earns Hilton Honors
Benefits
Credits & Perks (1)
- Hilton: $50 (Quarterly Calendar Year)
Statement credits for purchases made directly with properties in the Hilton portfolio. Includes dining and shopping at Hilton properties. Effective January 31, 2026, Hilton gift card purchases will no longer be considered an eligible purchase, and you will not receive the statement credit for any Hilton gift card purchases. Enrollment required.
Elite status (2)
- Hilton Honors: Gold
- Hilton Honors: Diamond
Protections (4)
- Baggage Insurance, up to $1,250, Coverage for lost, damaged, or stolen baggage. Up to $1,250 for carry-on and up to $500 for checked baggage per person, in excess of carrier coverage. Pay for the full cost of transportation with your Amex card.
- Purchase Protection, up to $1,000, 90 days coverage for theft/damage
- Extended Warranty, Extends warranty by up to 1 year
- Car Rental Insurance (secondary), up to $50,000, Secondary coverage up to $50,000 for rental car damage/theft (primary coverage available for additional fee). Pay for the full cost on your card to be eligible for this benefit. Coverage is not available in Australia, Italy, New Zealand.
Other Perks
- Free night award after $15K spend in a calendar year
The Hilton Honors Personal family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from Limited Time Offer: 130K bonus points plus a free night reward after you spend $3K in purchases within the first six months of card membership. Terms apply. Rates & Fees(Offer Expires 1/13/2027) + free night certificate to Limited Time Offer: 130K bonus points plus a free night reward after you spend $3K in purchases within the first six months of card membership. Terms apply. (Offer Expires 1/13/2027)Oct 11, 2026
- changed from null to Hilton SurpassOct 8, 2026
- changed from Limited Time Offer: 130K bonus points plus a free night reward after you spend $3K in purchases within the first six months of card membership. Terms apply. Rates & Fees(Offer Expires 1/13/2027), $0 introductory annual fee for the first year, then $150 + free night certificate to Limited Time Offer: 130K bonus points plus a free night reward after you spend $3K in purchases within the first six months of card membership. Terms apply. Rates & Fees(Offer Expires 1/13/2027) + free night certificateOct 3, 2026
- changed from Limited Time Offer: 130K bonus points plus a free night reward after you spend $3K in purchases within the first six months of card membership. Terms apply. Rates & Fees(Offer Expires 1/13/2027) + free night certificate to Limited Time Offer: 130K bonus points plus a free night reward after you spend $3K in purchases within the first six months of card membership. Terms apply. Rates & Fees(Offer Expires 1/13/2027), $0 introductory annual fee for the first year, then $150 + free night certificateOct 2, 2026
- changed from null to 0Oct 2, 2026
- changed from 130K bonus points after you spend $3K in purchases on the card in the first 6 months of card membership. Terms apply. Rates & Fees to Limited Time Offer: 130K bonus points plus a free night reward after you spend $3K in purchases within the first six months of card membership. Terms apply. Rates & Fees(Offer Expires 1/13/2027) + free night certificateSep 10, 2026
- changed from null to 2027-01-13Sep 10, 2026
- changed from null to creditSep 2, 2026
- changed from null to 3000Aug 13, 2026
- changed from null to 180Aug 13, 2026
- changed from 130K bonus points after you spend $3K in purchases on the card in the first 6 months of card membership. Terms apply. Rates & Fees, $0 introductory annual fee for the first year, then $150 to 130K bonus points after you spend $3K in purchases on the card in the first 6 months of card membership. Terms apply. Rates & FeesJul 30, 2026
- changed from 130K bonus points after you spend $3K in purchases on the card in the first 6 months of card membership. Terms apply. Rates & Fees(Offer Expires 7/29/2026), $0 introductory annual fee for the first year, then $150 to 130K bonus points after you spend $3K in purchases on the card in the first 6 months of card membership. Terms apply. Rates & Fees, $0 introductory annual fee for the first year, then $150Jul 30, 2026
- was 2026-07-29, removedJul 30, 2026