Hilton Honors American Express Surpass® Card
A $150 Hilton card with Gold status, up to $200 in Hilton credits and a free night after $15,000 of spend. Annual fee: $150. Welcome offer: 130,000 points + a Free Night Reward after $3,000 in purchases in the first 6 months.
Welcome offer
| Offer | 130,000 points + a Free Night Reward |
|---|---|
| Spend requirement | $3,000 in purchases |
| Time window | first 6 months |
| Expiration | Jan 13, 2027 |
Offers may vary by applicant, channel, referral link and targeting. The offer on the issuer's own application page is the one that applies.
Earning rates
| Category | Rate | Notes |
|---|---|---|
| Hilton purchases | 12x | |
| U.S. restaurants, gas stations, supermarkets | 6x | |
| U.S. online retail | 4x | |
| Everything else | 3x |
Benefits and credits
Statement credits
| Credit | Value | Details |
|---|---|---|
| Hilton purchases | Up to $200/yr | Eligible purchases made directly with Hilton. |
| Free night reward | After $15,000 in a calendar year |
Other benefits
- Hilton Honors Gold with an 80% bonus on base points; Diamond after $40,000 in a calendar year.
- National Emerald Club Executive status (enrollment required).
Restrictions
No special restrictions beyond the issuer's standard approval and bonus-eligibility rules.
Strategies
- The $200 Hilton credit offsets most of the $150 fee if you stay at Hilton at least once or twice a year.
Best categories: 12x at hilton purchases; 6x at U.S. restaurants, gas stations, supermarkets.
Compare with: Marriott Bonvoy Brilliant® American Express® Card, Marriott Bonvoy Bevy™ American Express® Card, Marriott Bonvoy Bountiful® Credit Card, Marriott Bonvoy Boundless® Credit Card. Or try the Best Card Finder with your own spending.
Sources and freshness
Fees, credits and earning rates come from American Express's official page, fetched on Oct 27, 2026. Amex does not publish welcome offers on that page, so any offer shown comes from the dated third-party report named in the offer note.
Last updated: . Verification status: checked against the sources above.