Best entry-level Hilton card

If you’re looking to become a loyal Hilton guest and want a way to quickly achieve Hilton Gold status, consider applying for the Hilton Honors American Express Surpass card that gives you complimentary status. (Partner offer)

At a glance

  • 12X Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
  • 6X 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.
  • 3X Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card
Earn 130,000 Points
Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 3 months of Card Membership.
29.99% Variable
28.24% Variable
18.74%-27.74% Variable
$0 intro annual fee for the first year, then $95 annual fee.
  • Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 3 months of Card Membership.
  • $0 intro annual fee for the first year, then $95 annual fee.

At a glance

  • 12X Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
  • 6X 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.
  • 3X Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card
Earn 130,000 Points
Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 3 months of Card Membership.
29.99% Variable
28.24% Variable
18.74%-27.74% Variable
$0 intro annual fee for the first year, then $95 annual fee.
  • Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 3 months of Card Membership.
  • $0 intro annual fee for the first year, then $95 annual fee.
  • 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 hotels and resorts 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.
  • Terms Apply.
  • See Rates & Fees
Apply now for Hilton Honors American Express Surpass® Card at American Express's secure site Terms & restrictions apply. See rates & fees

Our Take

TPG Editor's Rating

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3.5/5

Overview

The Hilton Honors American Express Surpass card is great for earning and redeeming Hilton points. This card comes with decent perks if you’re looking to become a loyal Hilton guest. Cardholders get complimentary Hilton Gold status, which includes a daily food and beverage credit (U.S. hotels only) or continental breakfast (non-U.S. hotels), a fifth night free when you book with points, a 80% earning bonus during stays and room upgrades to executive suites, when available. The Hilton Honors Amex Surpass card also grants you 10 Priority Pass Select passes a year, a complimentary weekend night reward, secondary car rental insurance and no foreign transaction fees.

Pros

  • 12x points on eligible Hilton purchases, 6x at U.S. restaurants, U.S. supermarkets and U.S. gas stations, 3x on all other eligible purchases
  • Hilton Honors Gold status with an upgrade to Diamond by spending $40,000 in a calendar year
  • Solid perks including 10 Priority Pass visits a year, secondary car rental insurance, extended warrant, return protection and theft and accidental damage purchase protection( Enrollment required for select benefits.)

Cons

  • No travel credits
  • No chart to redeem points at Hilton properties
  • Ties you to Hilton properties

Who is this card good for?

If you frequent Hilton Hotels, but never find yourself achieving Gold or Diamond status the Hilton Honors American Express Surpass card is for you. This credit card is a great way to earn rewards that you then can redeem at Hilton properties. This card will provide you with Hilton Gold or Diamond status, depending on your spending. The Hilton Honors American Express Surpass card also gives you 10 Priority Pass Select passes a year and a complimentary weekend night reward after you spend $15,000.

Earning Rewards

As a cobranded Hilton card, the Hilton Honors American Express Surpass card earns a high number of points on every Hilton purchase. At Hilton hotels and resorts cardholders earn 12x points, a 7.6% return. Cardholders also earn points for non-Hilton purchases including: 6x Hilton points at U.S. restaurants, supermarkets and gas stations and 3x points on all other purchases.

Frequently asked questions

  • Can I use this card outside of Hilton properties?

    The Hilton Honors American Express Surpass card is able to earn Hilton points at Hilton resorts and hotels as well as on regular purchases such as supermarkets, restaurants and gas stations. All points earned are Hilton points and can only be redeemed through Hilton.

  • What is Hilton status worth?

    If you’re looking to achieving Hilton status, this card is a great way to do so. Cardholders automatically earn Hilton Gold status which TPG values at $1,255 and comes with perks such as complimentary continental breakfast, 80% point earning bonuses and upgrades to executive level suites. If you spend $40,000 on this card in a calendar year, you can achieve Hilton Diamond status, which is a top-tier perk.