Hilton Honors American Express Surpass® Card
American Express
Annual fee
$150
Rewards rate
12%-3%
Welcome Bonus
155,000 Hilton Honors Bonus Points
Apply Now →on American Express's website
Regular APR:19.49%-28.49% Variable APR
- 12%Points at Hilton
- 6%Points on dining, gas, and groceries
- 3%Points on all other purchases
Welcome Bonus:
Earn 155,000 Hilton Honors Bonus Points after spending $3,000 in the first 6 months.
Reward Rate:
Earn 12x points at Hilton, 6x on dining, gas, and groceries, and 3x on other purchases.
APR:
19.49%-28.49% Variable APR
This card is ideal for frequent Hilton guests, offering valuable perks like complimentary Gold Status and significant earning potential on Hilton stays.
Pros:
- Complimentary Hilton Gold Status
- Annual statement credits for Hilton purchases
Cons:
- Annual fee applies
- Limited to Hilton properties for maximum value
The Hilton Honors American Express Surpass® Card is best suited for individuals who frequently stay at Hilton properties and seek to maximize their rewards through hotel stays, given its robust earning potential and valuable benefits like Gold Status. However, those who do not regularly use Hilton hotels may find the annual fee and reward structure less advantageous.