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The Hilton Honors Surpass is ideal for people who frequently find themselves staying with Hilton. You’ll earn 30X points per dollar at Hilton properties and gain some nice perks like the opportunity to earn an annual free night and complimentary Hilton Honors Gold status.
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We gave the Hilton Honors American Express Surpass® Card card 5 out of 5 Stars because it’s pretty easy to offset the annual fee, and you’ll earn points in a variety of bonus reward categories. But this card is only good for people interested in staying at Hilton properties.
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The Surpass is designed for people who travel at least several times per year, and love to stay in Hilton hotels and resorts.
It provides 12X Hilton Honors Bonus Points per dollar, and you’ll also get an additional 18X Base Points for being a Hilton Honors Gold member, for a total of 30X points per dollar.
That’s a whole lot, and it can provide a cash back equivalent of about 12%–30%, assuming you get from 0.4–1 cent per point when redeeming.
With enough spending you’ll be able to earn enough points to offset the $95 annual fee, and you’ll benefit from the many perks that come with this card. Frequent Hilton customers have no reason not to consider adding this card to their routines.
There are two other personal Hilton credit cards from Amex, with different annual fees and reward programs. The Surpass card is the mid-range option. The right card for you will depend on how much you typically spend with Hilton per year. If you only spend a bit each year, and may not even travel, a no-annual-fee card would make more sense. But if you’re going to spend quite a lot, a card with a higher annual fee could be worthwhile.
Here are the four Hilton cards, with annual fees and key benefits.
Card | Annual Fee | Benefits |
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Hilton Honors American Express Card (Review) | $0 (Rates & Fees) |
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Hilton Honors American Express Surpass® Card (This review) | $95 (Rates & Fees) |
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Hilton Honors American Express Aspire Card | $450 (Rates & Fees) |
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The Hilton Honors American Express Business Card (Review) | $95 (Rates & Fees) |
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The value of your Hilton points will depend on how you redeem them, such as the particular hotel and dates you book. We’ve found that you can get the equivalent of at about 12%–30% cash back when redeeming at a rate of 0.4–1 cents per point, which is around the average range you’ll find.
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If it seems like you’ll end up earning a ton of Hilton Honors points with this card, that’s true. However, you’ll find that each point isn’t worth quite as much as the points you can get in other programs, so it pretty much evens out.
Here, we must explain the difference between Bonus Points and Base Points. Bonus Points are what you’ll earn from this credit card, at the rates given above. Base Points are separately awarded to any Hilton Honors member who makes purchases through Hilton, with a normal rate of 10X per dollar spent. Bonus Points and Base Points are counted the same by Hilton when you redeem them.
Cardholders of the Surpass will get automatic Hilton Honors Gold status, which comes with an 80% bonus for all Base Points earned at eligible properties. That comes out to 18X Base Points per dollar spent with Hilton.
This means that cardholders will get 30X points per dollar in total when spending at eligible Hilton properties, and that’s quite the offer (12X points from the card and 18X points from Hilton Honors Gold status) (at an annual fee of $95).
An even higher status level, Diamond, can be reached by spending $40,000 in a given year. That comes with a 100% point bonus instead. So 20X Base Points will be earned per dollar spent at Hilton, for a total of 32X points per dollar spent at Hilton.
You’ll have quite a few options for redeeming your Hilton Honors points. The value you get for your points will vary depending on how, when, and where you redeem them.
The redemption options are:
The best methods involve using them for stays at Hilton properties, because you’ll get the highest value per point.
Generally, you’ll get a better value for your points when you redeem them at less expensive properties. But this isn’t always the case, because the value of your points will vary based on when and where you book your stay, along with other factors like current events.
The other redemption options will usually provide a lesser value, and they will vary quite a bit depending on the particular deal. We recommend avoiding them because you can get a better deal with free night stays, or by getting your 5th night free.
You can also share points with friends and family. This could let you gather a ton of points to use for a special trip or vacation.
Another option is point transfers to a partner travel program. The transfer rate (one point for one mile, one point for two miles, etc.) will vary depending on the particular deal, time of year, and other factors.
There are four travel loyalty program you can transfer to, one rail service and three airline services:
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Amtrak | Virgin Atlantic | Hawaiian Airlines | Club Premier |
We don’t recommend using this method unless you happen to get a great transfer deal. But there’s no guarantee that you will, and in most cases you’ll be better off with one of the following redemption methods.
Using your points to book stays directly is one of the best ways to redeem them. Stays begin at 5,000 points at the lowest-level properties.
Let’s go over an example redemption to see how much your points would be worth. Say you want to spend a night at the Hilton Chicago, in Chicago, Illinois. You’ll get a standard room on the night of October 20th, a Saturday.
This room would typically cost $587 for a night’s stay, after taxes. Or, you could get that room for 60,000 Hilton Honors points.
That would mean your points are worth about 0.98 cents each for this particular deal.
How much would you need to spend with your Surpass card to get this room? That will depend on the rate at which you earn your points. The higher the rate, the less you’ll need to spend.
If you spend at the rate of 30X points per dollar, for example, you’d need to spend $2,000 to earn 60,000 points. If you only earn at a lesser rate, like 6X points, you’d need to spend $10,000.
When earning at the 30X rate, you’d spend $2,000 to get a room valued at $587 (12X points from the card and 18X points from Hilton Honors Gold status). That means you’d get a cash back equivalent of about 29.35%, which is quite good. If you earn any of those points at a lesser rate you’d get a smaller cash back equivalent.
You’ll probably get the most out of the annual weekend night reward and your Hilton Honors Gold status, which provides a myriad of useful perks. But that’s not where the value ends; you’ll also gain a handful of shopping and travel protections that could end up saving you some money in a pinch.
If you won’t spend $15,000 with this card per year, consider the basic Hilton Honors American Express Card (Review). It’s a similar offer with no annual fee, but no weekend night reward either.
Purchase APR | Balance Transfer APR | Cash Advance APR |
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15.74% - 24.74% Variable | None | 25.24% Variable |
Annual Fee | Foreign Transaction Fee |
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$95 | None |
Balance Transfer Fee | Cash Advance Fee |
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None | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
Penalty APR | Late Fee | Returned Payment Fee |
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29.24% Variable | Up to $40 | Up to $40 |
The costs and fees of this card are pretty straightforward. You’ll have an annual fee to pay, and if you revolve a balance from month to month you’ll accrue interest at your given APR. But we recommend paying your balance in full to avoid interest and help your credit.
There’s no foreign transaction fee, which is something we like to see on travel cards. It doesn’t make sense to have a travel card that will charge you extra for spending outside the country. American Express doesn’t have very wide acceptance outside the U.S., but presumably any Hilton property you stay in will take Amex.
See our alternative picks below for some other options without foreign transaction fees and with wider acceptance around the world.
The Hilton Honors American Express Surpass® Card is a good card option for anyone who spends at least $1,000 or so at Hilton properties every year. If you find yourself in their hotels more often than not, a card like this could probably go a long way for you.
But the threshold for the free weekend night is $15,000 per year, so if you won’t spend that much you may want to consider the Hilton Honors American Express Card (Review).
The extra benefits are pretty good for a card with a $95 fee. The most important for travelers will probably be the Hilton Honors Gold status and all the perks that come with it. But don’t forget to use your 10 free visits to Priority Pass Select airport lounges, too.
If you tend to stay with Hilton but you don’t quite like this card, there are some others that might suit you better. There are also cards designed for other hotel brands, and cards that are good for travel in general. Take a look at some of those options below to see if one might be a better fit.
You can apply now for this card securely on the American Express website by following the link below. They will check your credit reports with the three major credit bureaus when you apply.
Many applicants will get an instant decision in just a few seconds. But in some cases it may take longer. You can check the status of your application any time after you apply.
It’s recommended that you have good credit before applying for the Hilton Honors American Express Surpass card.
That would mean your credit scores fall within the ranges of 670–739 for FICO and 700–749 for VantageScore.
However, keep in mind credit card companies will look at more than just your credit scores when determining your creditworthiness. Credit card issuers will take other factors into account, like income and source of income when mulling over if you should be approved or not.
So if your credit scores are lower than those ranges, you could still have a shot. But that also means even if you have higher credit scores, there’s a chance you won’t be approved.
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The most valuable benefits are the annual weekend award night after you spend $15,000 in a calendar year, and your automatic Hilton Honors Gold status.
From your Gold status you’ll get some nice perks like an 80% bonus to Base points, your fifth night free when redeeming for five nights or more, a discounted rate on rooms, and more.
Take a look at the full list of benefits that’ll come with your card.
On average we found your points will be worth 0.4–1 cent. That means you’ll be able to get a cash back equivalent of 12%–30% when redeeming for award nights, assuming you’re earning 30X points at Hilton properties.
Interested in all the redemption options you’ll have?
If you don’t have your Hilton Honors membership number when you first fill out your application, you can call Amex customer support at 1-800-528-4800 to link your accounts. Or, you can do so online from your American Express account.
Check out some tips on how to get the most out of your Hilton Honors Amex Surpass card.
The Hilton Honors American Express Card (Review) is a cheaper option at no annual fee, but it also offers less in its rewards program, as you’d expect.
This card comes with Hilton Honors Silver status, which is a step down from Gold. Silver status provides a 20% bonus on the 10 Base Points you’d normally earn.
The basic Hilton Honors card lacks the other most valuable perks of the Surpass card, like the weekend night reward and Priority Pass Select access. The other benefits, like Amex Offers and the shopping and travel protections, are pretty much the same for both cards.
So you’ll have less earning potential, but you won’t have to worry about using the card enough to offset an annual fee. If you won’t travel enough to make the fee on the Surpass card worth it, this card provides a cheaper option that still lets you earn points and use some benefits.
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This card provides 7X Bonus Points at Hilton properties, compared to the 12X you get with the Surpass. With the status bonus, you’re looking at 12X points per dollar, for a total of 19X points earned when spending with Hilton.
At that rate, you would earn a cash back equivalent of 7.6%–19%, assuming a value of 0.4–1 cent per point.
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If the Surpass card isn’t enough for you, maybe the Hilton Honors American Express Aspire Card will do the trick. It’s meant for people who travel frequently, and is more rewarding and more expensive.
It has an annual fee of $450, but there are several benefits that serve to cut this fee down if you make use of them.
These include a reusable $100 Hilton credit for any qualifying stay (two nights or more), a $250 airline fee credit, and a $250 annual Hilton resort credit. All of these, and the annual free award night, work to lessen the blow of the annual fee, effectively dropping it to zero. There’s even Priority Pass Select membership included, providing additional value.
The Aspire card comes with complimentary Hilton Honors Diamond status, and the main benefit of that compared to Gold is the 100% bonus you’ll get on Base Points earned.
Check to see if you could make use of all the credits this card can provide, especially the $100 Hilton credit. They could definitely make your stays more comfortable, and quite a bit cheaper too.
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You’ll be earning 20X points per dollar from your Diamond membership, and 14X points from the card. In total, that comes to 34X points per dollar when spending with Hilton, which is quite impressive.
If you assume a value of 0.4–1 cent per point, when earning at the 34X rate you’d get a cash back equivalent of 13.6%–34%, quite a bit better than the Surpass.
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The information related to Hilton Honors American Express Aspire Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
If you prefer Marriott properties over Hilton, you might like the Marriott Bonvoy Boundless™ Credit Card (Review). It’s one of the most rewarding hotel credit cards available, with great redemption options and benefits.
The annual fee is pretty similar to the Surpass’, but your points will be worth a bit more. We’ve found that your Marriott Bonvoy points can be worth 1–2 cents each in some cases, for a possible cash back equivalent of 17%-34%.
Cardholders get automatic Marriott Bonvoy Silver Elite status. That comes with some complimentary services and discounts at Marriott properties, like free in-room premium WiFi. There’s also a fast track to Gold Elite status, which includes automatic Gold status if $35,000 is spent with the card in a given year.
The Bonvoy Boundless card is great if you tend to stay at Marriott properties, where more use will get you more benefits; but if you don’t, then it won’t be the card for you.
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The Chase Sapphire Preferred® Card (Review) is a pretty popular general-use travel card, so you won’t be attached to any one hotel brand like the other cards mentioned here.
Where the Chase Sapphire Preferred truly shines is in its point transfer rate and redemption options. It boasts a 1:1 transfer rate to Chase’s hotel and airline partners, where you could potentially see a per-point value of 2 cents or more.
With that value, you’re looking at a cash back equivalent of 10% from the 5X point category and 4% from the 2X categories. While that isn’t nearly as high as the 12%–30% you could potentially earn with the Surpass card, you will have a larger selection of hotels to choose from.
Additionally, there’s a 25% bonus when you redeem for travel through Chase Ultimate Rewards, which gives you 1.25 cents per point.
There aren’t any membership enrollments here or free night awards, but you can get some added benefits at a wide variety of hotels and resorts around the world from the Luxury Hotel & Resort benefit.
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Do you use the Hilton Honors American Express Surpass Card to earn rewards and free hotel stays? How do you like it? Leave your own review below, we’d love to hear from you!
For rates and fees of the Hilton Honors American Express Card, please click here.
Brendan has been writing about personal finance for over eight years, and is now taking on the challenge of bringing high quality credit education to the masses. He makes sure that Credit Card Insider is covering the most important credit topics transparently and precisely, and that we have up-to-date reviews of credit cards so you can find cards that are right for you.
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