Hilton Honors American Express Surpass Card Review
American Express · Regular Hilton guests who value Gold status perks
4.4 / 5 (1678 reviews)
Annual Fee
$150
Rewards
12x Hilton, 6x restaurants/supermarkets/gas, 3x everything else
Regular APR
22.49% – 30.49%
Credit Needed
Good (670-749)
Our Expert Verdict
8/10
Editor's Score
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.
Pros
- Hilton Gold status with breakfast
- Free night certificate
- Priority Pass lounge access
- Strong earning rates
Cons
- $150 annual fee
- Hilton points worth ~0.5¢
- Need $15K spend for free night
Sign-Up Bonus
130,000 Hilton Honors points after spending $3,000 in 6 months
Key Benefits & Perks
Automatic Hilton Gold status
Free Night Reward after $15K spend
10 Priority Pass lounge visits/yr
No foreign transaction fees
12x at Hilton properties
Rewards Breakdown
| Category | Rate |
|---|---|
| Hilton Purchases | 12x |
| Restaurants | 6x |
| Supermarkets | 6x |
| Gas Stations | 6x |
| Everything else | 3x |
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Regular Hilton guests who value Gold status perks
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