Hilton Honors American Express Surpass Card
$150/yr
American Express
Hilton Honors American Express Surpass Card
4.4
(1,678 reviews)travelrewards
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026The mid-tier Hilton card packs incredible value for its $150 fee. Gold status includes room upgrades and complimentary breakfast at most properties. The free night reward after $15K annual spend easily covers the fee, and 10 Priority Pass lounge visits are a rare perk at this price.
Annual Fee
$150
Purchase APR
22.49% – 30.49%
Rewards
3x base rate
Sign-Up Bonus
$650 value
Credit Score
Good (670-749)
Foreign Txn Fee
None
Who Should Get This Card
The Hilton Honors American Express Surpass Card is best suited for established credit users who regular hilton guests who value gold status perks. The $150 annual fee pays for itself if you spend $5,000+/year on this card.
This card is great if you…
- Hilton Gold status with breakfast
- Free night certificate
- Priority Pass lounge access
- Regular Hilton guests who value Gold status perks
Consider another card if you…
- $150 annual fee
- Hilton points worth ~0.5¢
- Need $15K spend for free night
Rewards Breakdown
12x Hilton, 6x restaurants/supermarkets/gas, 3x everything else
| Category | Rate |
|---|---|
| Hilton Purchases | 12x |
| Restaurants | 6x |
| Supermarkets | 6x |
| Gas Stations | 6x |
| Everything else | 3x |
Rewards Distribution
12x
top rate
Hilton Purchases12x36%
Restaurants6x18%
Supermarkets6x18%
Gas Stations6x18%
Everything else3x9%
Sign-Up Bonus
130,000 Hilton Honors points after spending $3,000 in 6 months
Fees & APR
| Annual Fee | $150 |
| Purchase APR | 22.49% – 30.49% |
| Balance Transfer Fee | 3% |
| Foreign Transaction Fee | None |
| Late Fee | Up to $40 |
Pros & Cons
Hilton Gold status with breakfast
Free night certificate
Priority Pass lounge access
Strong earning rates
$150 annual fee
Hilton points worth ~0.5¢
Need $15K spend for free night
The Bottom Line
The Good: The Hilton Honors American Express Surpass Card stands out for its hilton gold status with breakfast. The welcome bonus worth $650 adds significant first-year value. No foreign transaction fees make it a strong pick for international spending.
The Not So Good: $150 annual fee. The $150 annual fee means you need to use the card actively to justify the cost.
Our Verdict: With an editor score of 8/10, the Hilton Honors American Express Surpass Card is one of our top-rated cards in its category. Make sure you'll earn at least $150 in value annually to justify the fee.
Frequently Asked Questions
What is the annual fee for the Hilton Honors American Express Surpass Card?▾
The Hilton Honors American Express Surpass Card has a $150 annual fee. Consider whether the rewards and perks you'll use offset this cost.
What is the sign-up bonus for the Hilton Honors American Express Surpass Card?▾
The Hilton Honors American Express Surpass Card currently offers a sign-up bonus worth approximately $650. 130,000 Hilton Honors points after spending $3,000 in 6 months Terms apply — always verify the current offer directly with the issuer.
How do the rewards work on the Hilton Honors American Express Surpass Card?▾
The Hilton Honors American Express Surpass Card earns 3x points on all purchases, and up to 12x points in select bonus categories. Points can be redeemed for travel, cash back, gift cards, and more.
What credit score do I need for the Hilton Honors American Express Surpass Card?▾
The Hilton Honors American Express Surpass Card is recommended for applicants with good (670-749) credit. Approval is not guaranteed and depends on your full credit profile.
Does the Hilton Honors American Express Surpass Card charge a foreign transaction fee?▾
No — the Hilton Honors American Express Surpass Card has no foreign transaction fees, making it a solid choice for international purchases and travel abroad.
What is the APR on the Hilton Honors American Express Surpass Card?▾
The Hilton Honors American Express Surpass Card has a variable purchase APR of 22.49% – 30.49%. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the Hilton Honors American Express Surpass Card best for?▾
The Hilton Honors American Express Surpass Card is best for Regular Hilton guests who value Gold status perks. A key advantage: hilton gold status with breakfast.
Annual Fee Break-Even
$1,000/mo
$100/mo$5,000/mo
Annual rewards earned: $432Annual fee: $150
Card pays for itself! You earn $282 more than the annual fee at this spend level.
Based on 3x base rewards rate @ 1.2¢ per point. Bonus category spending may reduce your break-even point.
Customer Reviews
4.4
1,678 reviews
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