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Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card

Welcome Offer
Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership. Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.
Rewards Rate
Up to 12X Hilton Honors Bonus Points for each dollar of eligible purchases
Extra Perks
Earn Hilton Honors Diamond status
Edited by
Julie Sherrier
Reviewed by
Benét J. Wilson
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Who is the Hilton Honors American Express Surpass® Card best for?

Savvy travelers who belong to the Hilton Honors loyalty program can pair it with the Hilton Honors American Express Surpass® Card to maximize the number points they earn and redeem.

Hilton’s 15 brands — including Conrad Hotels, Doubletree, Hilton Garden Inn, Curio Collection by Hilton™ and Hampton by Hilton — cover more than 5,500 hotels in 109 countries and territories.

Being an Honors member gives cardholders plenty of opportunities to earn and redeem points in popular categories such as restaurants, supermarkets and gas stations. It also comes with the perks you’d expect with an American Express-branded card.

But if you don’t want to be tied down to one hotel brand and want to get more value on the points you earn, then the Chase Sapphire Preferred® Card could be a good alternative. We’ll take a close look at both cards to see which is better aligned to your needs.

Hilton Honors American Express Surpass® Card overview

    • Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership.
    • Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.
    • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
    • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
    • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.  
    • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
    • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
    • $95 annual fee.
    • Terms Apply.
  • Credit needed:
    720 850
    Excellent/Good
  • Hilton Honors free weekend night reward
  • Complimentary Gold Status
  • Instant card number
  • Foreign transaction fee: none
  • Priority Pass Select membership
  • ShopRunner membership
  • Baggage insurance
  • Car rental loss and damage insurance
  • Extended warranty
  • Purchase protection

Intro Purchase APR

N/A

Intro BT APR

N/A

Annual Fee

$95

Regular Purchase APR

15.74%-24.74% Variable

Cash Advance Fee

Either $10 or 5% of the amount of each cash advance, whichever is greater.

Foreign Transaction Fee

None

Balance Transfer Fee

N/A

Pros and cons of the Hilton Honors American Express Surpass® Card

Pros

  • Generous welcome offer
  • Solid reward redemption options
  • Transfer points for travel
  • Automatic Hilton Honors Gold status
  • Purchase benefits
  • Payment flexibility

Cons

  • Annual fee
  • Room reward limits
  • Few travel transfer partners
  • Limited travel benefits

What we like about the Hilton Honors American Express Surpass® Card

  • Welcome offer

    Cardmembers earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership. Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months. Just how valuable is that offer? It’s worth about $900.

  • Higher rewards in top categories

    Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.

  • Solid redemption options

    Use your Hilton Honors points for purchases such as hotels, car rentals, cruises, shopping, dining, gift cards, donations and once-in-a-lifetime experiences, like a seat at the Chef’s Table at the Michelin-starred Gordon Ramsay au Trianon restaurant in Versailles, France.

  • Transfer points for travel

    You can move your Honors points to more than 40 airline and rail partners, although the value for those exchanges aren’t as good as redeeming for hotel stays.

  • Status matters

    The Hilton Honors American Express Surpass® Card comes with automatic Hilton Honors Gold Status. It includes 80% tier bonus points per hotel stay, an automatic space-available room upgrade (up to an executive room), a guaranteed member discount, no resort fees on reward stays, early check-in and late check-out, fifth standard reward night free, free breakfast and two complimentary bottles of water daily.

  • Travel and purchase perks

    Enjoy benefits like free Priority Pass Select airport lounge membership, which comes with 10 passes a year, travel accident insurance, car rental loss and damage insurance, access to the Global Assist hotline, extended warranty, return and purchase protection and access to ticket presales and cardmember-only events.

  • Payment flexibility

    This credit card comes with a purchase rate of 15.74%-24.74% Variable APR. There’s the option of using the Pay It® feature on the American Express app where you can make small payments throughout the month on your balance. Under the Plan It® option, you can create up to 10 payment plans for purchases of $100 or more with only a fixed monthly fee.

What to watch out for with the Hilton Honors American Express Surpass® Card

  • Annual fee

    If you want this card, you’ll pay a $95 annual fee.

  • Room reward limits

    While you do receive an annual reward night for your loyalty, you can only use it on weekends in a standard room — and you’ll have to spend $15,000 on the card to get it.

  • Poor transfer points value

    While you can transfer your Hilton Honors points to more than 40 airline and rail partners, you may get less value for them. For example, 10,000 Honors points only equal 1,000 United Airlines miles. You would need to transfer 100,000 points just to get the 10,000 United miles needed to book a one-way Saver fare for domestic U.S. flights 700 miles or less.

  • Higher status will cost you.

    The card comes with Hilton Honors Gold Status. But if you want to move up to Diamond, you’ll need to spend $40,000 annually on the card.

  • Travel coverage perks are meh

    Despite this being a travel card, it only offers travel accident insurance. Other hotel and non-hotel credit cards offer more robust benefits like trip delay/cancellation insurance.

Alternate travel rewards card

Compare it to the Chase Sapphire Preferred® Card

Disclosures |
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
on Chase's secure site
N/A
15.99% - 22.99% Variable
$95
5X points on travel purchased through Chase Ultimate Rewards®, 3X points on
  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself BackSM, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
750 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

 

If you don’t want to be tied to one hotel loyalty program, want more flexibility in earning and redeeming miles and get more value for the points you redeem for travel, including hotels, consider the Chase Sapphire Preferred® Card as an alternative to the Hilton Honors American Express Surpass® Card. It also has a $95 annual fee.

The Chase Sapphire Preferred® Card comes with the following welcome bonus: Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®. Earn 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases

The Hilton Honors American Express Surpass® Card offers better points per dollar spent in the top spending categories, but the Chase Sapphire Preferred® Card gives you 25% more value for the points you earn when you redeem them for travel at Chase Ultimate Rewards. And you can transfer your Chase points 1:1 to 11 airline and three hotel loyalty programs via Chase Ultimate Rewards®, a much better value than the Hilton Honors American Express Surpass® Card’s transfer program.

The Chase Sapphire Preferred® Card also comes with much better travel and purchase perks than the Hilton Honors American Express Surpass® Card, including trip cancellation/interruption insurance, baggage delay insurance, trip delay reimbursement, travel and emergency assistance, auto rental collision damage waiver, purchase and return protection and extended warranty; it doesn’t, however, come with access to an airport premium lounge like the Hilton Honors American Express Surpass® Card.

Compare the Hilton Honors American Express Surpass® Card to similar cards

Comparison of four different credit cards
Hilton Honors American Express Surpass<sup>®</sup> Card Chase Sapphire Preferred<sup>®</sup> Card Hilton Honors Aspire Card from American Express Hilton Honors American Express Card
Hilton Honors American Express Surpass® Card Chase Sapphire Preferred® Card Hilton Honors Aspire Card from American Express Hilton Honors American Express Card
Read Review
Apply Now
on Chase's secure site
Review Coming Soon Apply Now
on American Express's secure site
Terms Apply
Welcome Offer
130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership. Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months. Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®. Earn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership. 80,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Hilton Honors American Express Card in the first 3 months of Card Membership. Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $5,000 in purchases on the Card in the first 6 months.
Annual Fee
$95 $95 $450 $0
Rewards Rate
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases Earn 14X per $1 of eligible purchases on your card directly with a participating Hilton hotel or resort, 7X for eligible purchases: on flights booked directly with airlines or amextravel.com; on car rentals booked directly from select car rental companies; & at U.S. restaurants, and 3X for other purchases on your card Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio, 5X Hilton Honors Bonus Points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations AND 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Intro Purchase APR
N/A N/A N/A N/A
Regular APR
15.74%-24.74% Variable 15.99% - 22.99% Variable 15.74% to 24.74% Variable 15.74%-24.74% Variable
Recommended Credit
Excellent/Good Excellent Excellent/Good Excellent/Good
Card Details
Hilton Honors American Express Surpass® Card Chase Sapphire Preferred® Card Additional card details unavailable Hilton Honors American Express Card

Is the Hilton Honors American Express Surpass® Card right for you?

It all comes down to what’s more important to you when it comes time to decide whether the Hilton Honors American Express Surpass® Card is the best fit for your needs.

If you’re a Hilton Honors member, this card’s lucrative welcome offer, paired with among the highest points per dollar spent on hotels, dining, supermarkets and gas, can be attractive. Plus, it comes with Gold Status and some respectable travel and purchase perks. The card has good redemption options, but we don’t recommend moving your points to airline and rail loyalty programs because of its poor transfer values.

The Chase Sapphire Preferred® Card does have lower points per dollar spent for travel when compared to the Hilton Honors American Express Surpass® Card. But what the card does have is the chance to earn 25% more value when spending your points for travel when you use them on the Chase Ultimate Rewards website. And if you want to transfer your points to Chase’s 11 airline and three hotel loyalty programs, you can do it at a 1:1 rate, a far better value than the Hilton Honors American Express Surpass® Card.

The information related to the Hilton Honors American Express Surpass® Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.