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Hilton Honors Surpass® Credit Card

Hilton Honors Surpass® Credit Card

Card Details
VS
Personal Credit Card Earning 2% Cash Back

Personal Credit Card Earning 2% Cash Back

Card Details

Compare the Features and Benefits of Hilton Honors Surpass® Credit Card and
Personal Credit Card Earning 2% Cash Back

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Grants Hotel Status
Annual Statement Credits
Grants Car Rental Status
Trip Protections
Secondary Car Rental CDW Waiver
Extended Warranty
Purchase Protection
No Fees for Authorized Users
No Foreign Transaction Fees
Amex Offers
Hilton Honors Surpass® Credit Card
Annual Fee
$150 (Rates and fees)
Avg. Min. Credit Score
Good-Excellent
Ongoing APR
19.99%-28.99% (Variable)
Balance transfers fees
-
Best Multiplier
12x Hotels

At Hilton portfolio properties when you book direct with Hilton or the hotel. Otherwise, earn 3X points

6x Gas Stations

U.S. gast stations

6x Dining Out / Food Delivery

U.S. dining, including takeout and delivery

6x Groceries

U.S. Supermarkets. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

4x Online Retail Shopping

U.S. Online Retail Shopping

3x All Other Eligible Purchases
Avg. Point Value
(Learn More)
$0.006
Bonus Offer
👑 Best Ever Offer Limited Time Offer: Earn 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer Ends 4/29/2025. Terms Apply.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.08) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

With a relatively low $150 annual fee, The Hilton Honors American Express Surpass Card comes with some valuable benefits, including Gold Elite status, which gets you free breakfast (or a daily food and beverage credit) on all stays at full-service Hilton hotels and resorts.

You can redeem Hilton Honors points and Free Night Rewards for a room like this with room with a private plunge pool in Mexico

Waldorf Astoria Pedregal – Cabo, Mexico

With Hilton Honors points having an approximate value of 0.5 cents per point, you are earning roughly 6% back on Hilton stays and 3% back on select categories in the US: gas stations, gas, and groceries. Remember you’ll earn 3X Hilton Honors points on other eligible purchases, so that would be worth about a 1.5% return on spend.

Hilton Surpass Credit Card dining bonus category
The Hilton portfolio also has some amazing hotels and resorts at which you can spend your Hilton Honors points and Free Night Reward certificates. You earn a certificate for a Free Night Rewards after $15,000 in eligible spend within a calendar year

You can get value of rooms that sell for over $1,000 a night and include the Waldorf Astoria Maldives Ithaafushi and the Waldorf Astoria Pedregal in Los Cabos. You could easily make a case that simply being able to earn the lucrative Free Night Reward certificates is reason enough to hold this card.

You can also earn up to $200 back each year on eligible Hilton purchases (at a Hilton family property) when you use your Hilton Honors American Express Surpass® Card. You’re eligible to earn up to $50 in statement credits per quarter. (Terms apply.) That benefit alone more than covers your annual fee if used in full.

View from an infinity pool at the Waldorf Astoria Pedregal in Los Cabos, Mexico - Bookable with Hilton Honors points and Free Night Rewards.
While we don’t recommend the Hilton Honors Surpass card as your only credit card, it certainly is worth more than its annual fee if you frequently stay at Hilton portfolio hotels and resorts.

Rates and fees for the Hilton Honors Surpass® Credit Card

Read more
Unique Card Benefits
yes
Grants Hotel Status
yes
Annual Statement Credits
yes
Grants Car Rental Status
yes
Trip Protections
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
No Fees for Authorized Users
yes
No Foreign Transaction Fees
yes
Amex Offers
yes
Personal Credit Card Earning 2% Cash Back
Annual Fee
$0
Avg. Min. Credit Score
Ongoing APR
-
Balance transfers fees
-
Best Multiplier
Avg. Point Value
(Learn More)
$
Bonus Offer
🎁 Bonus offer Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(0) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.

Read more
Unique Card Benefits
no
Grants Hotel Status
no
Annual Statement Credits
no
Grants Car Rental Status
no
Trip Protections
no
Secondary Car Rental CDW Waiver
no
Extended Warranty
no
Purchase Protection
no
No Fees for Authorized Users
no
No Foreign Transaction Fees
no
Amex Offers
no

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Hilton Honors Surpass® Credit Card

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