Hilton Honors American Express Surpass® Card
American Express
- 12%Points on Hilton purchases
- 6%Points at U.S. restaurants, gas, and supermarkets
- 4%Points on U.S. online retail
- 3%Points on all other purchases
Earn 130,000 Hilton Honors bonus points plus a Free Night Reward after spending $3,000 in the first 6 months.
Earn 12X points on Hilton stays, 6X at U.S. restaurants, gas, and supermarkets.
19.49%-28.49% Variable APR
What sets the Hilton Honors American Express Surpass® Card apart is its high earning rate of 12X points on Hilton stays, making it a favorite among frequent Hilton travelers. The card also offers substantial annual credits that can offset the annual fee, enhancing its overall value.
Pros:
- Automatic Hilton Gold status
- Up to $200 in annual statement credits
Cons:
- Annual fee of $150
- Limited to Hilton properties for maximum rewards
The Hilton Honors American Express Surpass® Card is particularly suitable for frequent travelers who prioritize Hilton hotel stays, as its generous reward structure and potential for offsetting the annual fee make it a valuable choice for maximizing travel rewards. However, those who do not frequently utilize Hilton properties may find better options elsewhere.