Hilton Honors American Express Surpass® Card 2026 Review

Annual fee
$150
Rewards rate
12%-6%
Welcome Bonus
130,000 to 155,000 Hilton Honors bonus points
Apply Now →on American Express's website
Regular APR:19.49%-28.49%

  • 12%Cash back on Hilton purchases
  • 6%Cash back on U.S. dining, gas, and groceries

Welcome Bonus:

Earn 130,000 to 155,000 Hilton Honors bonus points after spending $3,000 in eligible purchases within the first 6 months.

Reward Rate:

Earn 12X points on Hilton purchases, 6X on U.S. dining, gas, and groceries.

APR:

19.49%-28.49%

The Hilton Honors American Express Surpass® Card is tailored for frequent Hilton guests, offering substantial rewards on hotel stays and dining. Its combination of elite status and annual credits makes it a valuable asset for loyal customers.

Pros:

  • Automatic Gold status
  • Annual statement credits

Cons:

  • Annual fee
  • Requires significant spending for rewards
Apply now →

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 and dining expenses. With a reasonable annual fee and generous welcome bonus, it offers significant value for loyal Hilton customers, while those who do not often stay with Hilton may find better options elsewhere.

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