American ExpressCredit Card
Hilton Honors Surpass
Best for regular Hilton guests
$650bonus$150/yrannual feePoints per $1; value varies by redemption
Sign-up bonus
$650
See issuer terms
Annual fee
$150
Offset by $650 bonus
Purchase APR
See terms
Variable — see issuer terms
SwitchWize take
Hilton Surpass is a mid-tier hotel card with useful Hilton credits and automatic Gold status. The card makes the most sense for travelers who can use quarterly Hilton credits.
Pros & cons
What we like
- ✓Annual Hilton credits can exceed fee
- ✓Automatic Hilton Gold status
- ✓Strong Hilton and grocery earning
- ✓No foreign transaction fee
Worth noting
- ✗Quarterly credits require tracking
- ✗Free night requires $15,000 spend
- ✗Hilton points have lower cent value
Perks & credits
$700 face value·$500 effective
Hilton Statement Credits
Up to $50 per quarter on eligible Hilton purchases
moderate
$200
$150 eff.
Free Night Reward After Spend
Earn after $15,000 in eligible calendar-year spend
hard
$300
$150 eff.
Hilton Honors Gold Status
easy
$200
Effective value discounts hard-to-use credits (easy 100% · moderate 75% · hard 50%)
Key terms
Updated Jun 21, 2026Purchase APR20.24%–29.24% variable
Annual fee$150 (waived first year)
Always verify current terms at the issuer before applying. See full offer details →
Compare alternatives
American Express
Hilton Honors Surpass
$650
sign-up bonus
$150
annual fee
$950
est. first-year value
$300
ongoing value / yr
Based on $2,500/mo spend
You'll leave SwitchWize and apply at American Express's site. Verify all terms before submitting.
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