Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card was ranked on Money.com as one of this year's top credit cards. Read more from nationally recognized credit card expert, Jason Steele or see if you qualify by clicking "Apply Now" below.
Best for
Hilton hotels rewards
See Rates & Fees | Terms Apply

Hilton Honors American Express Surpass® Card

Intro Bonus
Earn 130,000 Hilton Honors Bonus Points after spending $2,000 within first 3 months of Card Membership
Annual Fee
$95
Credit Level
excellent
From
The Expert
Jason Steele
Why Apply?
This is one of the top hotel cards that offers you a very valuable sign-up bonus, great rewards for spending and numerous cardholder benefits including Gold elite status.
I Think You'll Love
Earning 130,000 bonus points and 12X at Hilton hotels, plus Honors Gold status.
Pros
  • Receive 130,000 bonus points after spending $2,000 within three months of account opening.
  • Earn 12x points for Hilton purchases, and 6x points for purchases at U.S. gas stations, U.S. supermarkets, and U.S. restaurants.
  • Receive complimentary Gold elite status.
  • Earn a free weekend night award certificate after spending $15,000 within a calendar year.
Cons
  • $95 annual fee.
  • It takes more Hilton Honors points for a free night stay compared to competing hotel points. 
ABOUT THIS CARD

Having a hotel rewards credit card is the easiest way to earn free night stays and instantly receive the benefits of elite status in their loyalty program, and the Hilton Honors American Express Surpass® Card is one of the best hotel cards for these reasons. This card offers you 12x Honors points for purchases at hotels and resorts in the Hilton portfolio. You’ll also receive 6x points on eligible US purchases on dining, groceries and gas, and 3x points on all other purchases. 

Benefits include complimentary Gold status, which includes late checkouts, free fitness center access and even complimentary breakfast at eligible properties. This card also includes 10 visits each year to Priority Pass Select airport lounges. You also receive a free weekend night reward certificate when you spend $15,000 in a calendar year, and top-tier Diamond status when you spend $40,000 in a calendar year.

New applicants can earn 130,000 bonus points after spending $2,000 within three months of account opening. That’s often enough for three free night stays in a mid-level hotel in many medium sized cities. There’s a $95 annual fee for this card, and no foreign transaction fees. 

4 things informed consumers need to know:
  1. Get enough credit cards to keep the balance on each one below 30% of its limit.
  2. Pay on time, use cards sparingly and keep your accounts open.
  3. Don’t apply for too many cards at once. Do 1 today, again in 6 months, etc.
  4. More cards mean a wider variety of points and benefits.

Jason steele
The Expert
Jason Steele

Analysis is brought to you by nationally recognized credit card expert Jason Steele, who has appeared in publications such as:

Yahoo finance logo
Wapo logo
Usa today logo
Msn money logo