American Express Hilton Honors Surpass
American Express
- 12%Points on Hilton purchases
- 6%Points on U.S. dining, gas, and groceries
- 3%Points on all other purchases
Earn 130,000 Hilton Honors Bonus Points after spending $3,000 in purchases in the first 6 months.
Earn 12X Hilton Honors Bonus Points on purchases made directly with Hilton, 6X on U.S. dining, gas, and groceries.
19.49%-28.49% Variable APR
The Hilton Honors Surpass card shines for its robust earning structure, providing 12x points on Hilton purchases and 6x on dining and groceries. This card is particularly appealing for those who frequently stay at Hilton properties, as the annual credits can significantly offset the fee.
Pros:
- High rewards on Hilton stays
- Annual statement credits
Cons:
- Annual fee applies
- Spending requirement for bonus
The American Express Hilton Honors Surpass card is well-suited for frequent travelers who often stay at Hilton hotels and dine out, as its high reward rates and welcome bonus can provide substantial value. However, individuals who do not regularly utilize these benefits may find the annual fee less justifiable.