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The Hilton Honors American Express Surpass® Card is designed for people who travel at least several times per year, and love to stay in Hilton hotels and resorts.
If you find yourself spending at least $500 per year with Hilton, this card could easily fit into your wallet. 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.
Due to the impact of COVID-19, for eligible card accounts approved from 12/1/19 through 5/31/20, the period to make eligible purchases to earn the welcome bonus will be extended for an additional three months.
Here are the three Hilton cards, with annual fees and key benefits.
|Hilton Honors American Express Card||$0||
|Hilton Honors American Express Surpass® Card (This review)||$95||
|Hilton Honors Aspire Card||$450||
We gave the Hilton Honors Surpass 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.
This card is not bad at all (it’s quite good), but there are a couple other credit cards designed for staying with Hilton. Check them out below, along with some other cards made for spending at different hotel brands.
The value of your 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.
|Introductory Bonus Offer|
If it seems like you’ll end up earning a ton of Hilton Honors points with this card, that’s probably 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.
Due to the impact of COVID-19, for eligible card accounts approved from 12/1/19 through 5/31/20, the period to make eligible purchases to earn the welcome bonus will be extended for an additional three months.
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. We’ll go over a couple examples of how you can use your points to get free night stays at Hilton properties with this card.
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:
|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.
Let’s go over some examples of the two most valuable redemption options to see how they’d work: a free night’s stay, and a 5th night free reward.
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 get your 5th night free when you use your points to book standard room stays of five nights or more. You must only use points for the booking to be eligible. Up to four free nights are available on stays of 20 consecutive nights.
So you’ll need to save up enough points to book five nights, but you’ll get that 5th night free. For an example, let’s say you want to spend five nights at the Hilton Garden Inn Colorado Springs Airport, in Colorado Springs, Colorado. You’ll be there from October 23rd to October 28th.
A standard room would cost $164 per night, for a total of $904.50 for five nights after taxes are applied.
To pay with points you’d need 30,000 points per night. That comes to a total of 150,000 points needed for the five nights. You’ll need to have all those points to book the five nights initially, and then you’ll get your discount.
So how much would you need to spend to earn that many points?
If you earn at the rate of 30X points per dollar, you’d need to spend $5,000 to get the 150,000 points (12X points from the card and 18X points from Hilton Honors Gold status). If you earn at a lower rate you’ll need to spend more.
So by spending $5,000, you’ll have enough points for the five-night stay. If you do a straight calculation, you could say you’re getting the equivalent of about 18.09% cash back (because $904.50 is 18.09% of $5,000).
But you’ll also get a discount of 30,000 points when you book this stay, so you’ll have those points left over. The final cost will end up being only 120,000 points, although you’ll need the full 150,000 to book the room in the first place.
So you’re using 120,000 points to get a five-night stay valued at $904.50. That means your points are worth .75 cents each for this redemption.
Now, lets add those 30,000 extra points back into our calculations. If we give them a value of .75 cents each as well, that comes to $225.
To add that extra value into our calculations, we would do: $904.50 + $225 = $1,129.50. That means we would get a cash back equivalent of about 22.59% (because $1,129.50 is about 22.59% of $5,000).
That’s a pretty good deal, although it doesn’t provide as high a point value as our first example above. That’s because different hotels have different cash prices and point redemption levels.
The Hilton Honors Surpass card comes with an annual fee of $95 so you should consider how to offset that by earning points. As we saw in the examples above, your points will have different values depending on how you redeem them.
In our first example, you got a cash back equivalent of about 29.35%. If you earn and redeem points to get that equivalent, you’d need to spend $324 to earn $95 in cash back.
In the second example, you got a cash back equivalent of about 22.59%. When you can earn and redeem points like that, you’d need to spend $421 to earn $95.
If you can get that 29.35% rate, or something like it, you’ll be able to offset the annual fee with a fairly small amount of spending per year. If you get a lower point value it will take more spending.
So we’ve seen a way to offset the fee by spending as little as $324 per year, which is very cheap. But your own experience may vary, depending on the particular redemption deals you get, the quality of the hotels you stay at, the dates you book, etc. And remember that we didn’t include any of the other cost-saving benefits that this card comes with, like Priority Pass Select airport lounge access.
You’ll get a free weekend night after spending $15,000 on purchases in any calendar year. A redeemable code will be emailed to you after meeting the threshold.
The code is redeemable for one weekend standard accommodation, double occupancy. Weekend nights refer to Friday, Saturday, and Sunday nights. It can be combined with other offers, or added to existing stays.
To redeem the code, you must call 1-800-446-6677 and mention it when booking. The code will expire one year after it’s issued.
This reward can be redeemed anywhere, except for certain properties that are excluded.
If you won’t spend $15,000 with this card per year, consider the basic Hilton Honors American Express Card. It’s a similar offer with no annual fee, but no weekend night reward either.
Cardholders get Hilton Honors Gold status, which is two tiers above the basic Member status. It comes with some nice benefits, like:
Cardholders will be awarded with Hilton Honors Diamond status if purchases for a given year reach $40,000. Diamond status comes with better benefits than Gold, including a 100% bonus on Base Points and a 48-hour room guarantee.
Cardholders get access to over 600 Priority Pass airport lounges around the world. This does not grant access to non-lounge Priority Pass experiences.
10 free lounge visits are provided per year. After that, the entry fee will be $32 per person. Authorized users, which are free to add, can take advantage of the free visits, but they don’t get a membership.
You’ll need to manually enroll in this benefit, and you’ll receive your Priority Pass Select card within 10-14 business days.
Free membership with ShopRunner, which provides free two-day shipping and returns from some online retailers. Cardholders must enroll in this benefit.
Some of the retailers include:
You’ll have access to discounts at a wide variety of merchants — currently there are about 80 different offers available, and the selection changes now and then.
You just need to head to the Amex Offers program and click ‘Add to Card’ for the deals you want. Then, just use your card as you normally would to make a purchase with that merchant. Your savings will appear as a statement credit later on, reducing your account balance. You may or may not earn additional rewards at the regular rate — this will depend on the particular offer.
Many of the deals can be quite valuable, saving you from $5 up through more than $100 for some of them. For most of them, you’ll need to spend a certain amount to get a certain discount. Some of the current offers include:
|Merchant||Need to Spend||Cash Back||Maximum Savings|
|SimpliSafe Home Security||$400||$100||25%|
There are many fantastic deals waiting to be had here, though many other credit card issuers will offer a similar service. For example, Chase provides the Chase Ultimate Rewards portal, Bank of America has its BankAmeriDeals offers, and Citi has the EasyDeals service. You’ll find a range of discounts in all of them.
Occasionally you’ll be given the opportunity to save 10% on your cable, satellite TV, and/or cell phone bills. Just find the offer and click ‘Add to Card,’ and then use your card to pay for the utility as normal.
This benefit, also called Membership Experiences, provides pre-sale tickets to a variety of sports, music, and cultural events, as well as access to certain exclusive experiences. You’ll be able to search by interest, artist, event, or venue.
When this review was written, one available offer was preferred seating at the musical Mlima’s Tale, in New York City. Many theater and live performance offers like this are included.
Cardholders have the opportunity to apply for a loan through American Express (but only if they have been pre-approved). Loans are offered from $3,500 to $25,000, with fixed interest rates from as low as 6.90% up to 19.97%.
There are quite a few other benefits that come with this card, mostly shopping and travel protections. They include:
For more, see the full set of benefits for the Hilton Honors Surpass Card.
|Purchase APR||Balance Transfer APR||Cash Advance APR|
|15.74–24.74% Variable||N/A||25.24% Variable|
|Annual Fee||Foreign Transaction Fee||Balance Transfer Fee||Cash Advance Fee|
|$95||None||N/A||Either $10 or 5% of the amount of each cash advance, whichever is greater.|
|Penalty APR||Late Fee||Returned Payment Fee|
|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.
You’ll only need to spend around $330 at Hilton properties to offset the annual fee, assuming you earn at the 30X rate and redeem points with a valuable method (12X points from the card and 18X points from Hilton Honors Gold status). That’s pretty inexpensive, although you may need to wait a bit to find a great redemption offer.
This shows how easily you can earn the points you need to make this card worth the cost. 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 no-annual-fee version of this card.
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 for this card securely on the American Express. 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.
Here are some other cards you might be interested in. The first two are other options for Hilton, while the other cards are for different hotel brands. And lastly you’ll find some credit cards designed for general travel spending.
The Hilton Honors American Express Card is a cheaper option at no annual fee . It also offers less in its rewards program, as you’d expect:
This card provides 7X Bonus Points at Hilton properties, compared to the 12X you get with the Surpass. It also 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. That comes to 12X Base 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.
Besides the difference in the point bonus, there actually aren’t really many significant differences between Silver and Gold Hilton Honors status. So, other than the point bonus, this probably shouldn’t be much of a factor in your decision. They’re both pretty valuable to have if you stay at Hilton properties.
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.
If the Surpass card isn’t enough for you, maybe the Hilton Honors Aspire Card will do the trick. It’s meant for people who travel frequently, and is more rewarding and more expensive, at $450 per year. But there are several benefits that serve to cut this fee down if you make use of them.
For that price you’ll get:
So the Aspire provides 2 more Bonus Points per dollar at Hilton properties than the Surpass. The next group of categories only gets 1 more point per dollar, and they are a bit different. They’re more focused on travel than the Surpass’ categories, and that makes sense for a travel card with a fee this high. The last “anything” category is the same at 3X points, which is too bad that it’s not higher.
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. That means you’ll be earning 20X Base Points per dollar, 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.
That’s a pretty great return on your spending, with the extra Bonus Points and Diamond status providing a bit of a boost compared to the Surpass card. But we haven’t yet mentioned the other benefits, which are much more valuable than the Surpass’.
For starters, these include a $100 Hilton on-property credit, which is good for every qualifying stay that you book. To qualify, a stay must be at least two nights at a participating Hilton property. This is a great benefit because you can use it as many times as you’d like, saving $100 every time. This card is for frequent travelers, so you should have quite a few opportunities to use this perk. Even if you only used it three times per year, that would offset the annual fee down to $150.
In addition to that, there’s a $250 annual Hilton Resort credit, which is only available for stays at Hilton Resorts. And there’s more: a $250 annual airline fee credit, which is good for incidental airline fees charged to your account. This doesn’t cover flight tickets, just incidental fees like in-flight food and beverages.
It’s easy to see how you could offset the annual fee down to zero by using these benefits. If you spend enough time traveling each year it shouldn’t be too hard to make this card worth the fee. And this doesn’t even count all the points you’ll earn by spending with the card (at an annual fee of $450).
Not only that, there are two annual weekend night rewards you can get with this card. One weekend night will be free each year. And cardholders will earn an additional free night after spending $60,000 on purchases with the card in a given year. The Surpass provides one free weekend night per year after spending $15,000, without a chance to earn another.
Priority Pass Select membership is complimentary with the Aspire card, providing unlimited access to those airport lounges, although it also excludes non-lounge experiences. The Surpass only provides 10 free passes to the lounges per year.
The Aspire card is much more expensive than the Surpass ($355 more per year), but frequent travelers should be able to offset that fee pretty easily and get a lot of benefits too. If that sounds like you, 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.
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 cards available, with great redemption options and benefits.
At a $95 annual fee, it’s pretty comparable to the Surpass in price. This card offers:
You can redeem the points you earn in a variety of ways, with the best usually being for free nights at Marriott Bonvoy properties.
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%.
The Surpass and Bonvoy Boundless cards each have some of the same basic redemption options, like free nights and 5th night free on reward stays. You can also redeem your points for flights, vacation packages, or certain travel services. Or you can transfer your points to a number of travel partners, where you’ll get a bonus of 5,000 points whenever you transfer 60,000 or more.
Cardholders get automatic Marriott Bonvoy Silver Elite status. That comes with some complimentary services and discounts at Bonvoy 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.
The Hyatt Credit Card is, as you probably guessed, designed to be used at Hyatt hotels and resorts. It’s issued by Chase and has a slightly lower annual fee, at $75.
You’ll be able to redeem your points in many of the same ways described for the Hilton Honors Surpass card above. That includes free night stays, exclusive experiences, and in-hotel purchases. Free night stays start at 5,000 points at Category 1 hotels.
Like the Hilton Honors cards above, Hyatt cardholders will get additional Base Points for being hotel members; in this case, World of Hyatt members. In this case, cardmembers get at least 5.5 extra points per dollar spent at Hyatt properties, thanks to their Discoverist status (explained below). That comes to a total of 8.5X points per dollar at Hyatt hotels and resorts.
It’s reasonable to assume that your World of Hyatt points will be worth about 1.8 cents each when you redeem them for free nights. That means you can get the equivalent of around 15.3% cash back, assuming you earn 8.5X points per dollar in total. That’s an excellent offer, better than what you’ll typically get with the Surpass card.
You’ll get one free night’s stay after your first cardmember anniversary, good for a category 1–4 hotel. And then you’ll get one per year after that. Unlike some other hotel cards you won’t get this free night right away, you have to wait a year to get it.
The Hyatt card comes with complimentary Discoverist status, which is the lowest tier in Hyatt’s elite status program. This comes with several benefits, like a 10% point bonus on Base Points, complimentary in-room WiFi, and late check-out. You’ll also get a free night after staying in five different Hyatt brands.
When choosing between hotel credit cards, the main question to ask yourself is where you stay the most. If the answer is Hyatt, you should look to their card offer. If the answer is Hilton, you should check out their offerings through Amex.
There are quite a few travel credit cards out there that are designed for traveling in general, rather than staying with one particular hotel brand like the cards above. Let’s take a look at two such cards.
So you’ll be able to earn 2X points on travel and dining, no matter which hotel you’re staying in or airline you’re traveling with. You won’t always have to look for Hilton hotels, and you can use the Chase Ultimate Rewards portal to book travel with a wide variety of brands.
The best way to redeem your points is obviously through Chase Ultimate Rewards, where you’ll get a 25% point bonus on travel bookings. That means you’re getting the equivalent of 2.5X points and 1.25X points in those categories. And that comes to an equivalent cash back of 2.5% when you spend in the 2X categories and redeem in that way.
You can also transfer your points to a variety of travel partners with this card, at a 1:1 rate. That’s probably better than the rate you’ll often get with the Surpass card. This makes the Sapphire Preferred a good choice if you have a lot of general travel and dining spending, but prefer traveling with one airline in particular, for example.
The Sapphire Preferred has no foreign transaction fee, like the Surpass card. But the Sapphire Preferred is a Visa card and it will have wider acceptance around the world, so it’s a better choice for traveling abroad.
The Sapphire Preferred is actually a Visa Signature card, meaning it comes with some upgraded benefits. That includes free services at participating hotels, like room upgrades when available, a complimentary breakfast, VIP guest status, and a $25 food and beverage credit. So you’ll still get some hotel benefits, even though this isn’t a hotel-specific card.
So you’ll get the same reward for every purchase you make, whether it’s related to travel or not. Each mile will be worth 1 cent no matter how you redeem it, whether it’s for travel expenses or just statement credits. This is actually a very rare feature on travel cards, which usually make you redeem for travel expenses if you want to get the best value. But the Discover it Miles provides 1 cent per mile no matter how you redeem.
This means you’ll be getting the equivalent of 1.5% cash back for every purchase you make. And Discover will double the rewards you earn in your first year, which is a great offer. That means you’ll be earning the equivalent of 3% cash back for every purchase in your first year. That’s a very good rate for non-category purchases like this, especially considering the lack of an annual fee.
This card is better for people who don’t travel very much, and may not travel at all in a given year. The lack of an annual fee means you can have this card without worrying about getting your money’s worth. And the fact that you can redeem your miles for statement credits at the full value sets this card apart, making it easier to actually get your rewards than most other travel credit cards. So you can actually use this like a basic rewards card, whether you travel or not.
Do you use the American Express Hilton Honors Surpass Card to earn rewards and travel? How do you like it? Leave your own review, we’d love to hear from you!
Looking for other card options to make your hotel stays more comfortable? Take a look at our picks for the Best Hotel Credit Cards!
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