Hilton Honors Surpass

Sign-up Bonus

130K bonus points after you spend $3K in purchases on the card in the first 6 months of card membership. Terms apply. Rates & Fees

12XHilton purchases4.2%

6XUS Dining2.1%

6XUS Gas Stations2.1%

6XUS Grocery Stores2.1%

4XUS online retail purchases1.4%

3XAll other purchases1%

Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.

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)

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.