Amex Hilton Honors Surpass
- Annual fee
- $150
- Earns
- Hilton Honors points
- Point value
- 0.59 CPP
- Credits a year
- Up to $300
Welcome offer
Earn 130,000 Hilton Honors points after you spend $3,000 in 6 months
≈ $767 at 0.59 CPP
Earning rates
| Category | Earns | Return |
|---|---|---|
| Purchases with Hilton | 12x | 7.08% |
| Dining | 6x | 3.54% |
| Groceries | 6x | 3.54% |
| Gas | 6x | 3.54% |
| Travel | 3x | 1.77% |
| Everything else | 3x | 1.77% |
Return is what each $1 of spend is worth with points valued at 0.59 CPP.
Credits and benefits
- Hilton Credit$50 a quarter
- Free Night for $15K Spend$100 a card member year
Up to $300 a year if you use every credit. Track them in the benefits tracker
Application rules
Counts toward 5/24
Opening it takes one of your Chase 5/24 slots.
Once per lifetime
You may not get the Hilton Honors Surpass's welcome bonus if you have or have had it before. Amex can also withhold the bonus based on your history with Amex and how many cards you've opened and closed, and it tells you before it processes your application, so you can withdraw.
1 in 5 rule
Amex usually approves no more than one of its credit cards every five days. Cards with no preset spending limit, like the Platinum and Gold, don't count.
2 in 90 velocity
Amex usually approves no more than two of its credit cards in any 90-day period. Cards with no preset spending limit don't count.
Amex credit card limit
Amex usually lets you hold up to five of its credit cards at once, personal and business combined. Cards with no preset spending limit don't count toward that limit.
Product changes
- Upgrade to Hilton Honors Aspire · Amex lets you upgrade with no credit check, and sometimes offers an upgrade bonus in your account; otherwise the upgrade earns no bonus.
- Downgrade to Hilton Honors · No annual fee. You keep your Hilton Honors points.
About the Amex Hilton Honors Surpass
The Amex Hilton Honors Surpass is a personal American Express card from Amex with a $150 annual fee that earns Hilton Honors points. It earns 12x on purchases with Hilton, 6x on dining, 6x on groceries and 3x on everything else. The current welcome offer: earn 130,000 Hilton Honors points after you spend $3,000 in 6 months. It comes with 2 statement credits worth up to $300 a year if you use them all. AwardHack values Hilton Honors points at 0.59 CPP.
Frequently asked questions
What is the Amex Hilton Honors Surpass annual fee?
The Amex Hilton Honors Surpass has a $150 annual fee. Its statement credits add up to $300 a year if you use all of them.
What is the Amex Hilton Honors Surpass welcome bonus?
Earn 130,000 Hilton Honors points after you spend $3,000 in 6 months. AwardHack values that at about $767.
Does the Amex Hilton Honors Surpass include airport lounge access?
No, the Amex Hilton Honors Surpass doesn't include airport lounge access.
Does the Amex Hilton Honors Surpass count toward Chase 5/24?
Opening it counts as one of your 5/24 slots.
Similar cards
Offers, fees and benefits change often. Check the issuer's site before you apply.