THE CARDTUNED DATABASE
Hilton Honors American Express Surpass Card
Issuer: American Express
12X Hilton; 6X U.S. restaurants, supermarkets and gas; 4X U.S. online retail; 3X other
- Annual fee
- $0 intro annual fee for the first year, then $150
- Foreign transaction fee
- $0
- Intro APR
- None
- Regular APR
- See current Rates & Fees; variable APR
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
130,000 Hilton Honors Bonus Points after $3,000 in purchases in the first 6 months
- Spending requirement
- $3,000 in purchases
- Time window
- the first 6 months
Offer last checked: 2026-09-04
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 12X | Hilton Online retail and U.S. category restrictions apply |
| Dining & Groceries & Gas | 6X | U.S. restaurants, supermarkets and gas |
| Online shopping | 4X | U.S. online retail Online retail and U.S. category restrictions apply |
| Other purchases | 3X | other Online retail and U.S. category restrictions apply |
Additional benefits
• Hilton Gold status, quarterly Hilton statement credits and Free Night Reward after annual spend threshold
Restrictions to know
Standard annual fee is $150; acquisition offers may differ. The $200 Hilton credit is split into up to $50 per quarter. A Free Night Reward requires $15,000 in eligible purchases in a calendar year.
Who can apply
Public U.S. consumer application
Credit profile: Good–Excellent