Hilton Honors American Express Surpass Card 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

Hilton Honors American Express Surpass Card4.0/5

American Express

Annual fee
$150
Rewards rate
12%-3%
Welcome Bonus
130,000 Hilton Honors bonus points
Apply Now →on American Express's website
Regular APR:19.49%-28.49% Variable APR

  • 12%Points on hotels and resorts
  • 6%Points on dining, groceries, and gas
  • 3%Points on all other purchases

Welcome Bonus:

Earn 130,000 Hilton Honors bonus points after you spend $3,000 in eligible purchases within the first 6 months.

Reward Rate:

Earn 12X points on hotels and resorts, 6X points on dining, groceries, and gas.

APR:

19.49%-28.49% Variable APR

Unlike other options, this card provides a robust rewards structure tailored for frequent Hilton guests, making it a strong contender for those who prioritize hotel loyalty.

Pros:

  • Complimentary Gold Status
  • Up to $200 back each year

Cons:

  • Annual fee
  • Limited to Hilton properties
Apply now →

The Hilton Honors American Express Surpass Card is particularly suitable for individuals who frequently stay at Hilton properties and can benefit from the card's generous rewards structure and welcome bonus. With its annual fee of $150, this card offers significant value for loyal Hilton patrons seeking to maximize their travel rewards.

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