Verdict · Updated April 2026
Hilton Honors American Express Surpass Card for Dining & Restaurants
The Hilton Honors American Express Surpass Card is a top choice for dining & restaurants — ranked #5 of 40 eligible cards on our use-case scoring model. If dining & restaurants is your primary need, this card is a strong primary pick.
Rank #5 of 4090th percentileStrong primary pick
Reviewed by CardCompare Editorial Board
|Data-driven ranking|Updated April 2026
Hilton Honors American Express Surpass Card
American Express · $150 annual fee
The 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.
Full card review
Earn math — Dining & Restaurants profile
Based on typical dining & restaurants spending of $19,200/year across the categories below.
Annual rewards
$1,080
Annual fee
$150
Net value
$930
Dining multiplierDelivery creditsFast-food codingCoffee shop bonuses
Where the Hilton Honors American Express Surpass Card wins for dining & restaurants
- 6x on dining — among the highest rates available
Where it falls short
- No intro 0% APR and a high regular APR (30.49%) — carrying a balance is expensive
Top 3 alternatives for dining & restaurants
Cards that rank higher than or close to the Hilton Honors American Express Surpass Card on our dining & restaurants scoring model.
How the Hilton Honors American Express Surpass Card performs for other use cases
Frequently asked questions
Is the Hilton Honors American Express Surpass Card a good card for dining & restaurants?⌄
The Hilton Honors American Express Surpass Card is a top choice for dining & restaurants — ranked #5 of 40 eligible cards on our use-case scoring model. If dining & restaurants is your primary need, this card is a strong primary pick.
How much can I earn with the Hilton Honors American Express Surpass Card on dining & restaurants spending?⌄
At the typical dining & restaurants spending profile of $19,200/year, this card earns approximately $1,080 in rewards — net $930 after the $150 annual fee.
What are better alternatives to the Hilton Honors American Express Surpass Card for dining & restaurants?⌄
Our top 3 alternatives are U.S. Bank Altitude Reserve Visa Infinite, IHG One Rewards Premier Credit Card, Capital One SavorOne. Each ranks higher on our use-case scoring model for dining & restaurants.
What credit score do I need for the Hilton Honors American Express Surpass Card?⌄
The Hilton Honors American Express Surpass Card typically requires good credit. Approval also depends on income, existing debt, and application history — a score in the stated range doesn't guarantee approval.
Is the Hilton Honors American Express Surpass Card's annual fee worth it for this use case?⌄
The $150 annual fee breaks even when you earn $150 in rewards. At the typical dining & restaurants profile ($19,200/year), this card earns $1,080 — net positive after the fee.
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