Annual Fee: $95
$95
Sign-up Bonus: 60,000 points
60,000 points
12x at hotels or resorts within the Hilton portfolio
6x at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations
4x at U.S. Online Retail Purchases
3x on all other eligible purchases
Why We Like This Card
This card is Hilton’s middle-tier offering with strong point earn rates and benefits for individuals staying at Hiltons frequently, yet it lacks certain features needed to be fully competitive given its annual fee.
Compared to the Hilton Aspire, the Surpass earns a hefty 12x on Hilton properties and performs well in other categories. However, it's important to note that Hilton points are generally valued less than those from Chase, AMEX, or Capital One.
To offset its annual fee, the card provides automatic Hilton Gold status and 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® Card, up to $200 in statement credits annually. Although Gold status includes a free breakfast voucher at select Hilton hotels, its overall value is limited, and the quarterly credits do little to enhance the card's usability. While this Hilton card offers some benefits, it does not stand out in the competitive hotel card market.
Other Benefits
- No foreign transaction fees
- Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage (Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.)
- When you use your Eligible Card to make a Covered Purchase, you can get up to one extra year added to the Original Manufacturer's Warranty. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions. Please read important exclusions and restrictions.
- As a Hilton Honors American Express Surpass® Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® 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.
- Purchase protection can help protect new purchases that get stolen, damaged, or lost up to 90 days from the Covered Purchase date
- Car Rental Loss and Damage Insurance: When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. (Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.)
- 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.
