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Hilton Honors American Express Surpass Card
American Express
4.3/5TheFireWallet Rating
The Hilton Surpass piles up points fast with 12X at Hilton and 6X on everyday categories. Gold status adds free breakfast and room upgrades at most Hilton brands, making it the best mid-tier hotel card for Hilton loyalists.
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Key Details
Annual Fee
$150
APR
19.49% - 28.49%
Credit Score
Good
Rewards
12X at Hilton
Signup Bonus
Free Night Reward + 70,000 bonus points (limited-time offer)
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Pros & Cons
Pros
- +12X at Hilton and 6X on dining/groceries/gas are massive multipliers
- +Complimentary Hilton Gold status with room upgrades and free breakfast
- +Free night reward after spending $15K in a calendar year
Cons
- -$150 annual fee
- -Hilton points worth ~0.5cpp — need volume to get value
- -American Express not accepted everywhere internationally
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