American Express Hilton Honors Surpass Credit Card

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The Hilton Honors American Express Surpass® Card is designed for travelers who frequently stay at Hilton properties. It offers generous rewards, elite status benefits, and valuable statement credits, making it a compelling choice for Hilton enthusiasts.

With accelerated points on Hilton purchases and everyday spending categories, this card helps you earn free nights faster. Plus, enjoy complimentary Gold status and the opportunity to achieve Diamond status with qualifying spend.

Discover how the Hilton Honors Surpass® Card can enhance your travel experiences and provide exceptional value.

Meet the Issuer

American Express is a globally recognized financial services company known for its premium credit cards and exceptional customer service. Partnering with Hilton, American Express offers co-branded cards that provide exclusive benefits to cardholders.

The Hilton Honors American Express Surpass® Card exemplifies this partnership, delivering tailored rewards and perks for loyal Hilton guests.

By combining American Express’s financial expertise with Hilton’s hospitality excellence, this card offers a seamless experience for travelers.

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Main Benefits of the Card

  • 12X Points at Hilton: Earn 12 Hilton Honors Bonus Points per dollar spent on eligible purchases directly with Hilton hotels and resorts.
  • 6X Points on Everyday Spending: Earn 6 points per dollar at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • 4X Points on Online Retail: Earn 4 points per dollar on U.S. online retail purchases.
  • 3X Points on Other Purchases: Earn 3 points per dollar on all other eligible purchases.
  • Welcome Offer: Earn 130,000 Hilton Honors Bonus Points plus a Free Night Reward after spending $3,000 in purchases within the first 6 months of card membership. Offer ends 4/29/2025. Terms apply.
  • $200 Hilton Credit: Receive up to $50 in statement credits each quarter for purchases made directly with Hilton properties, totaling up to $200 annually.
  • Complimentary Gold Status: Enjoy Hilton Honors Gold status, offering benefits like room upgrades and daily food and beverage credits.
  • Free Night Reward: Earn a Free Night Reward after spending $15,000 in purchases on your card in a calendar year.
  • Diamond Status Opportunity: Upgrade to Hilton Honors Diamond status through the end of the next calendar year after spending $40,000 in purchases on your card in a calendar year.
  • National Car Rental Status: Enroll to receive complimentary National Car Rental® Emerald Club Executive® status.
  • No Foreign Transaction Fees: Make purchases abroad without additional fees.

American Express Hilton Honors Surpass: Fees and Commissions

The Hilton Honors American Express Surpass® Card has an annual fee of $150. This fee is offset by the card’s valuable benefits, including statement credits and elite status perks.

The card’s variable APR ranges from 19.99% to 28.99%, depending on your creditworthiness. Late and returned payments may incur fees of up to $40.

Note: Rates and fees are subject to change. Please refer to the official American Express website for the most current information.

Card limit

The Hilton Honors American Express Surpass® Card is a credit card, and your credit limit will be determined based on your creditworthiness and other factors at the time of application.

Responsible use of the card, including timely payments and maintaining a low credit utilization ratio, can lead to potential credit limit increases over time.

Positive points

  • Generous Rewards:
    Earn high points on Hilton stays, U.S. dining, gas, groceries, and online shopping—maximizing everyday value.
  • Valuable Credits:
    Receive up to $200 annually in statement credits for purchases made directly with Hilton properties.
  • Elite Status Benefits:
    Enjoy complimentary Hilton Gold status and a fast track to Diamond status with qualifying spend.

Negative points

  • Annual Fee:
    The $150 yearly fee may not be cost-effective for those who rarely stay at Hilton properties.
  • Limited Lounge Access:
    This card no longer offers Priority Pass membership, reducing airport luxury perks.
  • Hilton-Centric:
    The best value is achieved when redeeming points within the Hilton portfolio, limiting flexibility for other travel brands.

How to Apply for American Express Hilton Honors Surpass Credit Card

  1. Visit the official American Express website.
  2. Navigate to the Hilton Honors American Express Surpass® Card page.
  3. Click on “Apply Now” to begin your application.
  4. Fill out the application form with your personal and financial information.
  5. Review the terms and conditions before submitting your application.
  6. Submit your application and await a decision, which may be instant or provided by email within a few days.
  7. If approved, your card will arrive by mail in 7–10 business days.
  8. Activate the card online or through the Amex mobile app and start earning Hilton Honors points.
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How to contact American Express Hilton Honors Surpass

Need help with your Surpass® Card or application? Reach out through these official support channels:

  • Customer Service Phone: 1-800-528-4800 (available 24/7)
  • Live Chat: Accessible via your Amex online account or mobile app
  • Secure Messaging: Log into your account and send messages directly to support
  • Mail: Use the address found on your monthly billing statement or the American Express website

The Hilton Honors American Express Surpass® Card is a standout choice for frequent Hilton travelers who want to earn generous rewards and enjoy elite benefits. From complimentary Gold status to a valuable welcome bonus and $200 annual credits, the card delivers excellent value for its $150 fee. Apply now and start unlocking perks with every Hilton stay and everyday purchase.