{"id":20653,"date":"2026-01-03T23:50:01","date_gmt":"2026-01-03T23:50:01","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=20653"},"modified":"2026-05-05T22:42:48","modified_gmt":"2026-05-05T22:42:48","slug":"hilton-surpass","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/hilton-honors\/hilton-surpass\/","title":{"rendered":"Hilton Surpass Card Review: Hotel Benefits That Easily Outweigh the Annual Fee"},"content":{"rendered":"<p>The <a data-ccid=\"4048089\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressSurpassCard\" rel=\"noopener nofollow sponsored\">Hilton Honors American Express Surpass<sup>\u00ae<\/sup> Card<\/a> is a mainstay in the wallets of many AwardWallet users. It occupies a unique middle ground, offering premium perks like Hilton Gold status and a $200 annual credit for a manageable $150 annual fee (<a data-ccid=\"4048089\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/hilton-honors-surpass-credit-card\/26129-10-0#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>).<\/p>\n<p><div class=\"qs-card\" data-id=\"4048089\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Hilton Honors American Express Surpass<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/0fb236dd-aecb-49ed-9f28-94aaf0efd9a2.png\" width=\"150\" alt=\"Hilton Honors American Express Surpass\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='Hilton Honors American Express Surpass\u00ae Card' data-ccid=\"4048089\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressSurpassCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048089\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/hilton-honors-surpass-credit-card\/26129-10-0#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms Apply)<\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass<sup>\u00ae<\/sup> Card after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Hilton Honors American Express Surpass<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass<sup>\u00ae<\/sup> Card after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$150<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Hilton Honors American Express Surpass<sup>\u00ae<\/sup> Card is tailored for Hilton loyalists seeking valuable perks without a high annual fee. It delivers cardholders 12X Hilton Honors points on direct Hilton purchases, and 6X points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, enhancing everyday spending. A valuable feature is the complimentary Hilton Honors\u2122 Gold status in the Hilton Honors program, which includes access to room upgrades and bonus points. Additionally, spending $15,000 on purchases in a calendar year earns a free night reward, adding significant value to the card. This card balances robust rewards with a moderate annual fee, making it a strong contender for regular Hilton guests (Enrollment required for select American Express benefits).<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass&#xAE; Card after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership.<\/li><li>Enjoy complimentary Hilton Honors&#x2122; Gold status with your Card. Plus, spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year.<\/li><li>Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass&#xAE; Card. That's up to $200 in statement credits annually.<\/li><li>Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.<\/li><li>Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.<\/li><li>Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.<\/li><li>Earn 4X Points for each dollar on U.S. Online Retail Purchases.<\/li><li>Earn 3X Points for all other eligible purchases on your Card.<\/li><li>As a Hilton Honors American Express Surpass&#xAE; Card Member, you can enroll to receive complimentary National Car Rental&#xAE; Emerald Club Executive&#xAE; status through the link on your American Express online account. After you're enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.<\/li><li>No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.<\/li><li>Whenever you travel more than 100 miles from home, Global Assist&#xAE; Hotline is available for 24\/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.<\/li><li>Points don't expire while your Hilton Honors American Express Surpass&#xAE; Card is active and in good standing.<\/li><li>$150 annual fee.<\/li><li>Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.<\/li><li>Terms Apply.<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul><li>12X bonus points for each dollar of eligible purchases charged on your card directly with a hotel or resort within the Hilton portfolio<\/li>\r\n \t<li>6X bonus points for each dollar of eligible purchases on your card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations<\/li>\r\n<li>4X bonus points on U.S online retail purchases<\/li>\r\n         <li>3X bonus points for all other eligible purchases on your card<\/li><\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/HiltonSurpass\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-89dddd134#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>If you\u2019ve been tracking this card, now is a good time to review the numbers. The current welcome offer of 130,000 Hilton Honors points carries a $3,000 minimum spending requirement spaced over six months, significantly lower than similar 6-figure offers.<\/p>\n<p>Here\u2019s a breakdown of how the card\u2019s benefits stack up and how to decide if it\u2019s the right fit for your strategy.<\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Hilton_Surpass_Pros\">Hilton Surpass Pros<\/a><\/li><li><a href=\"#Hilton_Surpass_Cons\">Hilton Surpass Cons<\/a><\/li><li><a href=\"#Hilton_Surpass_Card_Welcome_Offer\">Hilton Surpass Card Welcome Offer<\/a><\/li><li><a href=\"#Hilton_Surpass_Card_Benefits\">Hilton Surpass Card Benefits<\/a><ul><li><a href=\"#Complimentary_Hilton_Honors_Gold_status\">Complimentary Hilton Honors Gold status<\/a><\/li><li><a href=\"#200_annual_Hilton_credit\">$200 annual Hilton credit<\/a><\/li><li><a href=\"#National_Car_Rental_elite_status\">National Car Rental elite status<\/a><\/li><li><a href=\"#Free_night_reward_via_spending\">Free night reward via spending<\/a><\/li><li><a href=\"#Purchase_benefits_and_protections\">Purchase benefits and protections<\/a><\/li><li><a href=\"#Travel_protections\">Travel protections<\/a><\/li><\/ul><\/li><li><a href=\"#Hilton_Surpass_Earning_Rates\">Hilton Surpass Earning Rates<\/a><\/li><li><a href=\"#Redeeming_Points_With_the_Hilton_Surpass\">Redeeming Points With the Hilton Surpass<\/a><\/li><li><a href=\"#Application_Restrictions\">Application Restrictions<\/a><\/li><li><a href=\"#Cards_That_Compete_With_the_Hilton_Surpass\">Cards That Compete With the Hilton Surpass<\/a><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Hilton_Surpass_Pros\">Hilton Surpass Pros<\/span><\/h2>\n<ul>\n<li>Complimentary Hilton Honors Gold Status<\/li>\n<li>Earns 12X points per dollar at hotels or resorts within the Hilton portfolio<\/li>\n<li>Earn up to $50 in statement credits quarterly ($200 annually) for eligible Hilton purchases<\/li>\n<li>Complimentary National Car Rental<sup>\u00ae<\/sup> Emerald Club Executive<sup>\u00ae<\/sup> status<\/li>\n<\/ul>\n<h2><span id=\"Hilton_Surpass_Cons\">Hilton Surpass Cons<\/span><\/h2>\n<ul>\n<li>$150 annual fee (<a data-ccid=\"4048089\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/hilton-honors-surpass-credit-card\/26129-10-0#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/li>\n<li>Hilton prices award nights dynamically, which means points can be hard to use for great value<\/li>\n<li>Free night award only available after spending $15,000 on eligible purchases within a calendar year<\/li>\n<\/ul>\n<h2><span id=\"Hilton_Surpass_Card_Welcome_Offer\">Hilton Surpass Card Welcome Offer<\/span><\/h2>\n<p>Welcome offers on the Hilton Surpass can fluctuate \u2014 see our <a target=\"_blank\" href=\"\/credit-cards\/amex-credit-card-offer-history\/\" rel=\"noopener\">American Express card offer history<\/a> post to see by how much \u2014 but you'll generally receive a hefty sum of Hilton Honors points after meeting the minimum spending requirement.<\/p>\n<p>If you apply for the <a data-ccid=\"4048089\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressSurpassCard\" rel=\"noopener nofollow sponsored\">Hilton Surpass<\/a> now, you'll earn 130,000 Hilton Honors points after you spend $3,000 in purchases in the first 6 months of Card Membership.<\/p>\n<p>A welcome bonus of this size is nothing to overlook, even though Hilton employs dynamic pricing on its award nights. For context, <a target=\"_blank\" href=\"\/point-mile-values\/Hilton\" rel=\"noopener\">AwardWallet users typically redeem their Hilton points at 0.61\u00a2 apiece<\/a>. This value makes 130,000 Hilton Honors points worth around $760.<\/p>\n<figure id=\"attachment_189965\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-189965 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Hilton-Waikiki-Hawaii-Featured.png\" alt=\"Hilton Garden Inn Waikiki Beach\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Hilton-Waikiki-Hawaii-Featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Hilton-Waikiki-Hawaii-Featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Hilton-Waikiki-Hawaii-Featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Hilton-Waikiki-Hawaii-Featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Hilton Garden Inn Waikiki Beach. Credit: Hilton<\/em><\/enter><\/figure>\n<h2><span id=\"Hilton_Surpass_Card_Benefits\">Hilton Surpass Card Benefits<\/span><\/h2>\n<p>For a mid-tier credit card, the <a data-ccid=\"4048089\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressSurpassCard\" rel=\"noopener nofollow sponsored\">Hilton Surpass<\/a> carries a lot of benefits that make it worth its $150 annual fee.<\/p>\n<p>Featuring a superb welcome offer, high earning potential, complimentary Gold status, along with a plethora of other benefits, the card has cemented its place as one of our top hotel rewards cards. If you're a cardholder or considering becoming one, here are all the benefits available to you:<\/p>\n<h3><span id=\"Complimentary_Hilton_Honors_Gold_status\">Complimentary Hilton Honors Gold status<\/span><\/h3>\n<p>After approval, your Hilton account will be updated to reflect your new complimentary <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/hotels\/hilton-honors\/hilton-gold-status\/\" rel=\"noopener\">Hilton Honors Gold status<\/a>. Hilton Gold is one of the best mid-tier hotel statuses out there, and your future Hilton stays will be more rewarding because of it.<\/p>\n<p>At this status level, you'll receive an 80% points earning bonus on stays, space-available room upgrades, daily food and beverage credits, and more. And because you have elite status, you can get a fifth night free on award stays.<\/p>\n<p>You can also get Hilton Honors\u2122 Diamond Status if you spend on eligible purchases on your Hilton Surpass card in a calendar year. This is a <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/hilton-honors\/which-credit-cards-give-elite-status\/\" rel=\"noopener\">$40,000 annual endeavor<\/a>, but it's a nice perk if you're spending on the Hilton Surpass at a high velocity.<\/p>\n<h3><span id=\"200_annual_Hilton_credit\">$200 annual Hilton credit<\/span><\/h3>\n<p>The Hilton Surpass offers $200 statement credits annually for your hotel stays, broken up into $50 quarterly. You'll receive up to $50 in statement credits each quarter for purchases at one of the many properties in the Hilton Honors program.<\/p>\n<p>You can use these credits at any Hilton location towards the room rate, incidentals, or most activities at the property, including restaurants and spa treatments. If you maximize just this one perk each year, you'll make up for the cost of the card's $150 annual fee.<\/p>\n<figure id=\"attachment_236318\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-236318 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Hilton-Waldorf-Pedregal-Featured.png\" alt=\"Common area at the Waldorf Astoria Los Cabos Pedregal.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Hilton-Waldorf-Pedregal-Featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Hilton-Waldorf-Pedregal-Featured-750x600.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Hilton-Waldorf-Pedregal-Featured-900x720.png 900w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Hilton-Waldorf-Pedregal-Featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Hilton-Waldorf-Pedregal-Featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Waldorf Astoria Los Cabos Pedregal. Credit: Hilton<\/em><\/enter><\/figure>\n<h3><span id=\"National_Car_Rental_elite_status\">National Car Rental elite status<\/span><\/h3>\n<p>If you thought the <a data-ccid=\"4048089\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressSurpassCard\" rel=\"noopener nofollow sponsored\">Hilton Surpass<\/a> only came with one complimentary elite status, think again. You're also entitled to <a href=\"https:\/\/awardwallet.com\/car-rental\/national-emerald-club\/\">National Car Rental<sup>\u00ae<\/sup> Emerald Club Executive<sup>\u00ae<\/sup> status <\/a>by holding the card. To take advantage of this perk, you will need to enroll via your Amex online account.<\/p>\n<p>Executive Club status provides faster earnings toward free rental cars, a wider selection of cars at pickup, travel services, and guaranteed upgrades, as well as skipping the line when picking up and returning your vehicle.<\/p>\n<p><strong>Related:<\/strong> <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/best-credit-card-elite-status\/\" rel=\"noopener\">6 Cards That Get You Elite Status With Multiple Programs<\/a><\/p>\n<h3><span id=\"Free_night_reward_via_spending\">Free night reward via spending<\/span><\/h3>\n<p>The Hilton Surpass offers a <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/hilton-honors\/hilton-free-night-certificate\/\" rel=\"noopener\">Hilton Free Night Reward<\/a> after you spend $15,000 on eligible purchases in a calendar year using the card. It's a lot of money to pay for a free night, but it could be worth it if you use the award on a night at one of the Hilton resorts and most luxurious properties, such as the <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/hotels\/hilton-honors\/waldorf-astoria-maldives\/\" rel=\"noopener\">Waldorf Astoria Maldives Ithaafushi<\/a>.<\/p>\n<p>With only a small list of properties where you can't use this benefit, the\u00a0free night reward can be used for rooms that would typically cost thousands of dollars per night or as much as 250,000 Hilton points per night.<\/p>\n<p>And with the <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/hotels\/hilton-honors\/small-luxury-hotels\/\" rel=\"noopener\">addition of SLH properties to the Hilton portfolio<\/a>, there are even more luxurious options to choose from to stay at. That's a great way to add an extra night on a trip!<\/p>\n<p><strong>Related: <\/strong><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/hilton-honors\/hilton-surpass-benefits\/\" rel=\"noopener\">Why I Spend $15,000 Each Year on My Hilton Surpass Card<\/a><\/p>\n<figure id=\"attachment_236313\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-236313 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Hilton-Nobu-Ibiza-Bay-Featured-SLH.png\" alt=\"Bedroom at the Nobu Hotel Ibiza Bay.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Hilton-Nobu-Ibiza-Bay-Featured-SLH.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Hilton-Nobu-Ibiza-Bay-Featured-SLH-750x600.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Hilton-Nobu-Ibiza-Bay-Featured-SLH-900x720.png 900w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Hilton-Nobu-Ibiza-Bay-Featured-SLH-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Hilton-Nobu-Ibiza-Bay-Featured-SLH-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Nobu Hotel Ibiza Bay. Credit: Hilton<\/em><\/enter><\/figure>\n<h3><span id=\"Purchase_benefits_and_protections\">Purchase benefits and protections<\/span><\/h3>\n<p>Aside from a quality list of benefits tailored to the Hilton Honors experience, the <a data-ccid=\"4048089\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressSurpassCard\" rel=\"noopener nofollow sponsored\">Hilton Surpass<\/a> tacks on a list of shopping and purchase protection-related benefits, such as: <\/p>\n<ul>\n<li>Purchase protection on new purchases for up to 90 days and up to $50,000 per calendar year.<\/li>\n<li>Extended warranty coverage.<\/li>\n<li>Access to targeted <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/beginners-guide-to-amex-offers\/\" rel=\"noopener\">Amex Offers<\/a> that can provide extra points or cash back.<\/li>\n<li>Earn 10% back when you use your card to make qualifying food and beverage concessions purchases at stadiums and arenas in the American Express Venue Collection\u2122 through <strong>December 31, 2026<\/strong>.<\/li>\n<li>Access to Events with Amex\u2122, where cardmembers can enjoy presale and special ticket access to select events.<\/li>\n<\/ul>\n<h3><span id=\"Travel_protections\">Travel protections<\/span><\/h3>\n<p>You can also leverage a short list of travel-related protections that'll keep you covered when you're on the road:<\/p>\n<ul>\n<li>No foreign transaction fees(<a data-ccid=\"4048089\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/hilton-honors-surpass-credit-card\/26129-10-0#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>).<\/li>\n<li>Secondary coverage via car rental loss and damage insurance.<\/li>\n<li>Baggage insurance plan to cover lost, stolen, or damaged luggage.<\/li>\n<li>Access to American Express' Global Assist Hotline.<\/li>\n<\/ul>\n<h2><span id=\"Hilton_Surpass_Earning_Rates\">Hilton Surpass Earning Rates<\/span><\/h2>\n<p>There's more than meets the eye when it comes to the <a data-ccid=\"4048089\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressSurpassCard\" rel=\"noopener nofollow sponsored\">Hilton Surpass<\/a> and its bonus categories. A diverse list of ways to earn points on purchases means you might pull the card out of your wallet more than you initially thought, which isn't always the case for a co-branded credit card.<\/p>\n<ul><li>12X bonus points for each dollar of eligible purchases charged on your card directly with a hotel or resort within the Hilton portfolio<\/li>\r\n \t<li>6X bonus points for each dollar of eligible purchases on your card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations<\/li>\r\n<li>4X bonus points on U.S online retail purchases<\/li>\r\n         <li>3X bonus points for all other eligible purchases on your card<\/li><\/ul>\n<figure id=\"attachment_206436\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-206436 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/Hermitage-Bay-Hilton-SLH-Featured.png\" alt=\"Hermitage Bay, an SLH Hotel aerial view\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/Hermitage-Bay-Hilton-SLH-Featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/Hermitage-Bay-Hilton-SLH-Featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/Hermitage-Bay-Hilton-SLH-Featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/Hermitage-Bay-Hilton-SLH-Featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Hermitage Bay, an SLH Hotel. Credit: Hilton<\/em><\/enter><\/figure>\n<p>As a point of comparison, it might help to think about the returns on spending in terms of percentages. AwardWallet users redeem Hilton Honors points for 0.61\u00a2 per point on average. If we use 0.5\u00a2 to 0.6\u00a2 as a range for what points are worth, here's your return on spending with the Hilton Surpass card:<\/p>\n<ul>\n<li>12X points on Hilton purchases (6% to 7.2% return on spending)<\/li>\n<li>6X points on purchases at U.S. supermarkets, U.S. restaurants, and U.S. gas stations (3% to 3.6%)<\/li>\n<li>4X points on U.S online retail purchases (2% to 2.4%)<\/li>\n<li>3X points on all other purchases (1.5% to 1.8%)<\/li>\n<\/ul>\n<p>If you routinely spend on Hilton purchases, you'll receive a generally high return on your spending, which means the card is a worthy use of your swipes if you value Hilton Honors points.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/hilton-honors\/earn-points-you-can-transfer-to-hilton\/\" rel=\"noopener\">All the Credit Cards That Earn Hilton Honors Points<\/a><\/strong><\/p>\n<h2><span id=\"Redeeming_Points_With_the_Hilton_Surpass\">Redeeming Points With the Hilton Surpass<\/span><\/h2>\n<p>No matter where you are in the world or where you want to go, there's likely a Hilton property within reach. After ditching its award chart, Hilton started pricing its award nights dynamically. <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/travel\/what-is-dynamic-pricing\/\" rel=\"noopener\">Dynamic pricing<\/a> means that when the cash rate is higher, so are award rates.<\/p>\n<p>If you're considering putting your newly earned welcome bonus to good use, you could spend dozens of nights with a budget-oriented Hilton redemption or (maybe) a few nights with a luxury Hilton redemption. No matter what kind of budget you're working with, Hilton has a lot of options thanks to its massive global portfolio of hotels and resorts.<\/p>\n<figure id=\"attachment_160172\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-160172 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/04\/Hilton-Molino-Stucky-Nicola-Pavan-Unsplash-Featured.jpg\" alt=\"The front side of the Hilton Molino Stucky at sunset.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/04\/Hilton-Molino-Stucky-Nicola-Pavan-Unsplash-Featured.jpg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/04\/Hilton-Molino-Stucky-Nicola-Pavan-Unsplash-Featured-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/04\/Hilton-Molino-Stucky-Nicola-Pavan-Unsplash-Featured-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/04\/Hilton-Molino-Stucky-Nicola-Pavan-Unsplash-Featured-325x260.jpg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Nicola Pavan\/Unsplash<\/em><\/enter><\/figure>\n<p>If one thing's for sure, your Hilton Honors points can go pretty far, but you might have to do some digging and be flexible on your dates to make it happen. The <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/hotels\/hilton-honors\/award-calendar\/\" rel=\"noopener\">Hilton award calendar tool<\/a> can be helpful in the process of figuring out where to go, where to stay, and when to visit.<\/p>\n<p>And redeeming points in five-night increments will further stretch their value, thanks to the <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/hotels\/hilton-honors\/hilton-5th-night-free\/\" rel=\"noopener\">Hilton fifth-night free benefit<\/a> on points stays for anyone with any level of elite status \u2014 which you'll have with this card.<\/p>\n<h2><span id=\"Application_Restrictions\">Application Restrictions<\/span><\/h2>\n<p>American Express generally has a &#8220;<a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">once per lifetime<\/a>&#8221; rule for welcome bonuses on its cards, but that doesn't mean you can't apply for the <a data-ccid=\"4048089\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressSurpassCard\" rel=\"noopener nofollow sponsored\">Hilton Surpass<\/a> if you have another Hilton credit card. As per the application page:<\/p>\n<blockquote><p><em>&#8220;You may not be eligible to receive a welcome offer if you have or have had this Card or the Hilton Honors Amex Ascend Card or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors.&#8221;<\/em><\/p><\/blockquote>\n<p><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-welcome-offer-eligibility-tool\/\" rel=\"noopener\">American Express will let you know if you're ineligible<\/a> to receive the welcome bonus before you submit your application. If you see a popup stating ineligibility, you can withdraw your application or continue anyway \u2014 a nice feature of the revamped Amex application process.<\/p>\n<p>Moreover, you can only have five American Express credit cards at a time, and you're unlikely to be approved for more than two cards in a 90-day period.<\/p>\n<h2><span id=\"Cards_That_Compete_With_the_Hilton_Surpass\">Cards That Compete With the Hilton Surpass<\/span><\/h2>\n<p>Part of any credit card strategy is weighing your options when it's time to add a new card to your arsenal. If you're intrigued by the <a data-ccid=\"4048089\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressSurpassCard\" rel=\"noopener nofollow sponsored\">Hilton Surpass<\/a> but can't see it helping you meet your financial and travel goals, here are a few other cards to consider:<\/p>\n<ul>\n<li><strong>If you routinely stay at Hilton properties and want more perks<\/strong>, you might get more mileage from the <a data-ccid=\"4048211\" href=\"https:\/\/awardwallet.com\/credit-cards\/hilton-honors\/hilton-aspire\/\">Hilton Honors American Express Aspire Card<\/a> and its top-tier benefits. Complimentary Hilton Honors\u2122 Diamond Status, 14X points per $1 spent on Hilton purchases, hundreds of dollars in spending credits, and an annual Free Night Reward only scratch the surface of what this card offers. For true Hilton loyalists, the $550 annual fee can be well worth the cost(<a data-ccid=\"4048211\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/hilton-honors-aspire-credit-card\/26129-10-0#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). For more, here's <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/hilton-honors\/hilton-aspire\/\" rel=\"noopener\">our full review of the Hilton Surpass<\/a>.<\/li>\n<li><strong>If you want to earn Hilton points without an annual fee,\u00a0<\/strong>look into the <a data-ccid=\"4048112\" href=\"https:\/\/awardwallet.com\/credit-cards\/hilton-honors\/hilton-amex\/\">Hilton Honors American Express Card<\/a>. Despite seeing $0 in the annual fee column(<a data-ccid=\"4048112\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/hilton-honors-credit-card\/26129-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>), the card isn't devoid of perks. You'll receive automatic Hilton Honors\u2122 Silver Status, a fifth night free on points stays, and earn 7X on Hilton spending. For more, here's <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/hilton-honors\/hilton-amex\/\" rel=\"noopener\">our full review of the Hilton Amex<\/a>.<\/li>\n<li><strong>If you spend a lot on travel but want to earn points you can use with more than just Hilton,<\/strong> the <a data-ccid=\"4048174\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-green-card\/\">American Express<sup>\u00ae<\/sup> Green Card<\/a> is an excellent wallet companion. For a modest $150 annual fee , you'll earn 3X Membership Rewards on travel, transit, and dining purchases, which is an excellent return. With the Membership Rewards points earned from this card, you can redeem points in the travel portal or transfer points to 20 airline and hotel partners, including transfers to Hilton Honors at a 1:2 ratio.\u00a0 For more, here's <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-green-card\/\" rel=\"noopener\">our full review of the Amex Green Card<\/a>.<\/li>\n<\/ul>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-american-express\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/CardArt-HiltonHonorsAmericanExpressAspireCard-1.png\" width=\"150\" alt=\"Hilton Honors American Express Aspire Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Hilton Honors American Express Aspire Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='Hilton Honors American Express Aspire Card' data-ccid=\"4048211\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressAspire\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$550<span class=\"compare-terms\"><a data-ccid=\"4048211\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/hilton-honors-aspire-credit-card\/26129-10-0#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul><li>14X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio<\/li>\r\n \t<li>7X Hilton Honors Bonus Points on flights booked directly with airlines or <a href=\"http:\/\/amextravel.com\" target=\"_blank\" rel=\"noopener\">amextravel.com<\/a>, car rentals booked directly through select rental companies, and at U.S. restaurants<\/li>\r\n         <li>3X Hilton Honors Bonus Points for all other eligible purchases on your Card<\/li><\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/e671653b-c490-4729-9c84-06cd764bdbe0.png\" width=\"150\" alt=\"Hilton Honors American Express Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Hilton Honors American Express Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you spend $2,000 in purchases on the Card within your first 6 months of Card Membership.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='Hilton Honors American Express Card' data-ccid=\"4048112\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"4048112\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/hilton-honors-credit-card\/26129-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n         <li>Earn 7X Points per dollar on eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands<\/li>\r\n \t<li>Earn 5X Points per dollar on eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations<\/li>\r\n         <li>Earn 3X Points for all other eligible purchases on your Card.<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/508ed403-ac18-4d8f-91ea-80c86f92d7b0.png\" width=\"150\" alt=\"American Express\u00ae Green Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">American Express<sup>\u00ae<\/sup> Green Card<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 40,000 Membership Rewards<sup>\u00ae<\/sup> Points after you spend $3,000 on purchases on your new Card in your first 6 months of Card Membership. <br>\r\n<em>(This card is not available through AwardWallet)<\/em><\/div><\/div><div class=\"compare-apply\"><a class=\"qs-learn-more\" data-ccid=\"4048174\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-green-card\/\">Learn More<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$150<\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Good, Excellent<\/p><\/div><\/div><div class=\"compare-earning\"><ul><li>3x Membership Rewards<sup>\u00ae<\/sup> on travel<\/li>\r\n \t<li>3x Membership Rewards<sup>\u00ae<\/sup> at restaurants worldwide, including takeout and delivery in the U.S.<\/li>\r\n        <li>3x Membership Rewards<sup>\u00ae<\/sup> on transit including trains, buses, ferries, subways, and more<\/li>\r\n        <li>1x Membership Rewards<sup>\u00ae<\/sup> on other purchases<\/li>\r\n \t<\/li><\/ul><\/div><\/div><\/div>\n<p><strong>Related: <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/hotels\/free-night-certificates\/\" rel=\"noopener\">Hotel Credit Cards With Free Nights: How to Earn and Maximize Value From Annual Certificates<\/a><\/strong><\/p>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>Ultimately, the <a data-ccid=\"4048089\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressSurpassCard\" rel=\"noopener nofollow sponsored\">Hilton Surpass<\/a> remains one of the most balanced hotel cards on the market. Between the $50 in quarterly statement credits and the 12X earning rate at Hilton properties, it doesn\u2019t take much for the card to pay for itself.<\/p>\n<p>For those looking to boost their Hilton balance, the current welcome offer provides a substantial six-figure point injection with a lower barrier to entry than previous iterations.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048089\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Hilton Honors American Express Surpass<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/0fb236dd-aecb-49ed-9f28-94aaf0efd9a2.png\" width=\"150\" alt=\"Hilton Honors American Express Surpass\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='Hilton Honors American Express Surpass\u00ae Card' data-ccid=\"4048089\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressSurpassCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048089\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/hilton-honors-surpass-credit-card\/26129-10-0#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms Apply)<\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass<sup>\u00ae<\/sup> Card after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Hilton Honors American Express Surpass<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass<sup>\u00ae<\/sup> Card after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$150<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Hilton Honors American Express Surpass<sup>\u00ae<\/sup> Card is tailored for Hilton loyalists seeking valuable perks without a high annual fee. It delivers cardholders 12X Hilton Honors points on direct Hilton purchases, and 6X points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, enhancing everyday spending. A valuable feature is the complimentary Hilton Honors\u2122 Gold status in the Hilton Honors program, which includes access to room upgrades and bonus points. Additionally, spending $15,000 on purchases in a calendar year earns a free night reward, adding significant value to the card. This card balances robust rewards with a moderate annual fee, making it a strong contender for regular Hilton guests (Enrollment required for select American Express benefits).<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass&#xAE; Card after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership.<\/li><li>Enjoy complimentary Hilton Honors&#x2122; Gold status with your Card. Plus, spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year.<\/li><li>Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass&#xAE; Card. That's up to $200 in statement credits annually.<\/li><li>Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.<\/li><li>Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.<\/li><li>Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.<\/li><li>Earn 4X Points for each dollar on U.S. Online Retail Purchases.<\/li><li>Earn 3X Points for all other eligible purchases on your Card.<\/li><li>As a Hilton Honors American Express Surpass&#xAE; Card Member, you can enroll to receive complimentary National Car Rental&#xAE; Emerald Club Executive&#xAE; status through the link on your American Express online account. After you're enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.<\/li><li>No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.<\/li><li>Whenever you travel more than 100 miles from home, Global Assist&#xAE; Hotline is available for 24\/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.<\/li><li>Points don't expire while your Hilton Honors American Express Surpass&#xAE; Card is active and in good standing.<\/li><li>$150 annual fee.<\/li><li>Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.<\/li><li>Terms Apply.<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul><li>12X bonus points for each dollar of eligible purchases charged on your card directly with a hotel or resort within the Hilton portfolio<\/li>\r\n \t<li>6X bonus points for each dollar of eligible purchases on your card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations<\/li>\r\n<li>4X bonus points on U.S online retail purchases<\/li>\r\n         <li>3X bonus points for all other eligible purchases on your card<\/li><\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/HiltonSurpass\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-89dddd134#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Hilton Honors American Express Surpass\u00ae Card offers some quality perks easily maximized by those who stay at Hilton properties at least a few times per year. Here&#8217;s an in-depth review of the card&#8217;s positives and negatives, so you can decide if it&#8217;s a good addition to your credit card arsenal.<\/p>\n","protected":false},"author":80,"featured_media":143145,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12790,12620,12698],"coauthors":[36432,36412],"class_list":["post-20653","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-american-express","tag-card-reviews","tag-hilton-honors"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/20653","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/80"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=20653"}],"version-history":[{"count":97,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/20653\/revisions"}],"predecessor-version":[{"id":258681,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/20653\/revisions\/258681"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/143145"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=20653"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=20653"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=20653"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=20653"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}