Hilton Honors American Express Surpass® Card - Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer Ends 8/13/2025.

Overview of the Hilton Honors American Express Surpass® Card

The Hilton Honors American Express Surpass® Card is designed for travelers who frequently stay at Hilton properties and seek to maximize their rewards. With a compelling introductory offer and a range of benefits tailored for Hilton loyalists, this card presents a strong option for those looking to earn points on their everyday spending. The card features a $0 introductory annual fee for the first year, transitioning to $150 thereafter. Members can also enjoy the perks of complimentary Gold Status and substantial rewards on various purchases.

Pros

One of the standout features of the Hilton Honors American Express Surpass® Card is the lucrative bonus points offer. New cardholders can earn 130,000 Hilton Honors Bonus Points after spending $3,000 within the first six months of membership, a great incentive for those planning significant purchases.

The card also provides a generous rewards structure. Cardholders can earn 12X Hilton Honors Bonus Points for each dollar spent directly at Hilton hotels and resorts, making it a perfect companion for frequent travelers. Additionally, cardholders earn 6X Points at U.S. restaurants, supermarkets, and gas stations, and 4X Points on U.S. online retail purchases. This tiered rewards system ensures that users can maximize their points accumulation across various spending categories.

Another attractive aspect is the potential for up to $200 in statement credits annually, received as $50 credits each quarter for purchases made directly with Hilton properties. This effectively reduces the overall cost of the card while enhancing its value for regular Hilton guests. Furthermore, the Hilton Honors American Express Surpass® Card has no foreign transaction fees, making it a great choice for international travelers.

Cons

While the Hilton Honors American Express Surpass® Card offers numerous benefits, the $150 annual fee after the first year may deter some potential users. Although the introductory fee is appealing, the transition to a paid model requires careful consideration of the card's overall value based on one's spending habits.

Additionally, while the rewards structure is robust for Hilton-related purchases, those who do not frequently stay at Hilton properties may find the points less beneficial. The card's focus on Hilton rewards means that users who prefer other hotel chains may not derive as much value from their spending.

Lastly, while the card offers the opportunity to earn Hilton Honors Gold Status and even Diamond Status with significant spending, achieving these tiers may not be feasible for all cardholders, limiting the appeal of these benefits.

Why We Like This Card

• Generous welcome bonus of 130,000 Hilton Honors Bonus Points after meeting spending requirements.
• Up to $200 in statement credits annually for Hilton purchases enhances overall value.
• No foreign transaction fees, making it ideal for international use.
• Complimentary Hilton Honors Gold Status provides added benefits during stays.
• Tiered rewards system allows for maximized point earning across various spending categories.

In conclusion, the Hilton Honors American Express Surpass® Card is a powerful tool for frequent travelers who prioritize Hilton stays. With its attractive rewards program, introductory fee, and additional travel benefits, it stands out as a strong contender in the travel rewards market. However, potential cardholders should evaluate their spending habits and travel preferences to determine if this card aligns with their needs.