Hilton Honors American Express Surpass® Card 2026 Review

Annual fee
$0 for the first year, then $150
Rewards rate
12%-1%
Welcome Bonus
130,000 Bonus Points
Apply Now →on American Express's website

  • 12%Hilton Honors Bonus Points on purchases made directly with Hotels and Resorts within the Hilton portfolio
  • 6%Hilton Honors Bonus Points on eligible purchases at U.S. restaurants, supermarkets, and on select travel purchases
  • 3%Hilton Honors Bonus Points on all other eligible purchases

Welcome Bonus:

Earn 130,000 bonus points after spending $3,000 in purchases within the first 6 months of card membership.

Reward Rate:

Earn 12X Hilton Honors Bonus Points on purchases made directly with Hotels and Resorts within the Hilton portfolio.

The Hilton Honors American Express Surpass® Card stands out as the top choice because it offers an impressive 12X points on Hilton purchases, making it ideal for frequent travelers who stay at Hilton properties. With automatic Gold Status and a generous welcome bonus, it provides exceptional value for those looking to maximize their travel rewards.

Pros:

  • High rewards on Hilton stays
  • Automatic Gold Status

Cons:

  • Annual fee after the first year
  • High spending requirement for bonus
Apply now →

The Hilton Honors American Express Surpass® Card is well-suited for frequent travelers who regularly stay at Hilton properties, as it offers a high rewards rate and valuable perks like automatic Gold Status. However, those who infrequently travel or prefer a broader range of hotel chains may find more suitable options elsewhere.

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