American Express
Hilton Surpass Benefits, Credits & Annual Fee
$150 / yr (waived year 1) · Earns Hilton Honors
A mid-tier Hilton cobranded card with a $150 annual fee, best for frequent Hilton guests who want complimentary Gold status, strong points earning on Hilton stays, and quarterly credits that offset the annual fee.
- 12xHotels
- 4xOnline Shopping
- 3xEverything Else
- StatusHilton Honors Gold
- $250Venue Collection
$450/yr in credits · $150 annual fee
Maintained by Creddy Editorial · Catalog checked Oct 9, 2026
Hilton Surpass at a Glance: $150 Annual Fee, Issuer and Rewards
- Annual fee:
- $150 / yr (waived year 1)
- Issuer:
- American Express
- Rewards:
- Hilton Honors
- Credits:
- 2 recurring, up to $450 a year
Hilton Surpass Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Hotels | 12x | |
| Dining | 6x | |
| Groceries | 6x | |
| Gas | 6x | |
| Online retail | 4x | |
| Everything else | 3x |
Who Should Get the Hilton Surpass?
The Hilton Surpass fits people who spend most on hotels (12x) and dining (6x). Its $150 annual fee makes sense if the $450 a year in credits Creddy lists, plus what you earn, covers it with credits you would use anyway.
Is the Hilton Surpass Worth the $150 Annual Fee?
The Hilton Surpass costs $150 a year. Creddy lists 2 trackable credits worth up to $450 a year if you use every one, $300 more than the fee. You break even once you use about 33% of that credit value, so count only the credits you would use anyway.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
Hilton Surpass Welcome Bonus
130,000 Hilton Honors bonus points plus one Free Night Reward
Offer history
- Sep 10130,000 Hilton Honors bonus points plus one Free Night Reward
- Feb 26130,000 Hilton Honors bonus points
- Oct 2155,000 bonus points
Tracked since Oct 2024
Hilton Surpass Statement Credits and When They Reset
- Venue Collection Concessions Rebate$250 / yrTrackableEnrollment required
Get 10% back in statement credits on qualifying food and beverage concessions at American Express Venue Collection stadiums and arenas. Enroll your card, then use it for concessions purchases. Credits are capped at $250 per calendar year; one enrolled card per card member, through December 31, 2026.
Resets: Calendar yearChecked Sep 27, 2026 - Hilton Credits$50 / qtrTrackable
Earn up to $200 back per year on eligible Hilton purchases, issued as up to $50 each quarter as a statement credit. Credits can offset stays, dining, or other qualifying charges at Hilton properties. Unused amounts reset each quarter and don't carry forward.
Resets: QuarterlyChecked May 20, 2026
Hilton Surpass Travel Benefits
Travel Benefits
- Destination Family
Get added benefits on eligible cruises or tour packages with participating travel providers. Book through American Express Travel with an eligible U.S. Consumer, Business, or Corporate Amex card. Benefits apply only to new bookings.
Checked Oct 9, 2026 - Free Night Award via Big SpendTrackableMin spend $15,000
Spend $15,000 in eligible purchases in a calendar year and earn a free night award redeemable at most Hilton properties, subject to availability. This reward is on top of the points you earn on that spending.
Resets: Calendar yearChecked Sep 13, 2026 - Lowest Hotel Rates Guarantee
Get a refund of the price difference if you find a lower qualifying online hotel rate after booking through Amex Travel. Compare the same room, dates, guests, rate type, and booking policies, and submit a claim for the lower rate. Prices are compared before taxes and fees.
Checked Sep 27, 2026
Hotel Status
- Hilton Honors Gold Status
Complimentary Hilton Honors Gold status with the Surpass Card, including an 80% bonus on base points from stays, daily food and beverage credit or complimentary continental breakfast (varies by brand and region), and space-available upgrades at select properties.
Checked Sep 13, 2026 - Hilton Honors Diamond Status via SpendTrackableMin spend $40,000
Spend $40,000 in eligible purchases within a calendar year to earn Hilton Honors Diamond status - the program top tier. Diamond perks include room upgrades, executive lounge access, and a 100% bonus on Base Points earned during stays.
Resets: Calendar yearChecked Sep 13, 2026
Rental Car
- National Emerald Club Executive StatusEnrollment required
Complimentary Emerald Club Executive status from National Car Rental. Card Members must enroll in the National Car Rental Emerald Club Executive status benefit.
Checked Sep 14, 2026 - Car Rental Loss & Damage Insurance
Get coverage for damage to or theft of a rental vehicle in covered territories. Reserve and pay for the entire rental with your card, and decline the rental company's collision damage waiver at the counter. Coverage applies only to qualifying rentals and is subject to policy terms.
Checked Sep 27, 2026
Travel Insurance
- Baggage Insurance Plan
Get coverage for lost, damaged, or stolen baggage when you charge the entire fare for a plane, train, ship, or bus ticket to your card. Coverage is secondary to the carrier's and provides up to $1,250 for carry-on bags and $500 for checked bags. New York residents have a $10,000 aggregate trip limit.
Checked Oct 9, 2026
More Hilton Surpass Card Benefits
Bonus Earnings
- 12x Earning Rate on Hilton Spend12x points
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases made directly with hotels and resorts within the Hilton Portfolio.
Checked Sep 14, 2026 - 6X Points on U.S. Restaurants, Supermarkets, and Gas Stations6x points
Earn 6X Hilton Honors Bonus Points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
Checked Sep 30, 2026 - 4x Earning Rate on U.S. Online Retail Purchases4x points
Earn 4X Hilton Honors Bonus Points on purchases at eligible U.S.-based online retailers.
Checked Sep 14, 2026 - 3X Points on All Other Eligible Purchases3x points
Earn 3X Hilton Honors Bonus Points on all other eligible purchases.
Checked Sep 14, 2026
Purchase Protection
- Purchase Protection
Get protection against theft or accidental damage for covered items you buy with your card. Coverage lasts up to 90 days from the purchase date, with limits of $1,000 per covered purchase and $50,000 per calendar year. Other exclusions and terms apply.
Checked Sep 27, 2026 - Extended Warranty
Get up to one extra year matching the manufacturer's warranty on covered items bought with your card. The original warranty must be five years or less, and the purchase must be made in the United States or its territories or possessions. Coverage is limited to the card charge, up to $10,000 per item and $50,000 yearly.
Checked Oct 7, 2026
Concierge & Membership
- Global Assist Hotline
Get 24/7 help coordinating emergencies, medical or legal referrals, cash wires, and missing luggage assistance. Call the Global Assist Hotline when traveling more than 100 miles from home. You remain responsible for charges from third-party service providers.
Checked Sep 27, 2026
Entertainment
- American Express Venue Collection Entrances and Fast Lanes
Use American Express card member entrances or fast lanes at participating Venue Collection locations. Look for marked entrances at the venue and have your card available to show staff. Access depends on the venue; not every location offers both an entrance and a fast lane.
Checked Sep 27, 2026 - Amex Preferred Tickets
Get access to Amex Preferred Tickets for select events and seats. Find a participating event and use your eligible American Express card to buy tickets during the designated sales period. Seats are available only while supplies last.
Checked Sep 27, 2026 - Amex Special Ticket Access
Get access to buy Amex Presale and Reserved Tickets for select sports, music, and other events. Look for participating events and use your card to purchase available tickets; some events also offer on-site perks. Tickets are limited to select events and availability.
Checked Sep 27, 2026
Fees & Miscellaneous
- No Foreign Transaction Fees
Use your card abroad or on international websites without paying extra fees on foreign-currency transactions. The price you're charged is simply the converted amount - no additional percentage tacked on.
Checked May 20, 2026
Hilton Surpass vs Other American Express Cards
- Amex Green$150 / yr
- Delta SkyMiles Gold$150 / yr (waived year 1)
- Amex Blue Cash Preferred$95 / yr (waived year 1)
- Amex Blue Cash Preferred (Morgan Stanley)$95 / yr (waived year 1)
Related credit card guides
How to Track Credit Card Benefits Without a Spreadsheet
Build a reliable system for tracking statement credits, card perks, reset dates, and reminders without maintaining a complicated spreadsheet.
How Credit Card Statement Credits Actually Reset
Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.
How to Calculate Credit Card Value vs. the Annual Fee
Compare the value you actually receive from a credit card with its annual fee using realistic credits, rewards, and perks.
Hilton Surpass FAQs
Is the Hilton Surpass Card worth the annual fee?
Compare Hilton Surpass's current annual fee with rewards and benefits you would actually use. Count credits at what they save you after eligibility, enrollment and extra spending costs, then compare the result with lower-fee alternatives. Include interest and other charges if you carry a balance.
Which benefits does Creddy list for Hilton Surpass Card?
Creddy's September 26, 2026 catalog lists Hilton Credits, Free Night Award via Big Spend, Venue Collection Concessions Rebate, Hilton Honors Diamond Status via Spend for Hilton Surpass. Review the benefits and earning-rate tables for the conditions; confirm current coverage, enrollment and restrictions with American Express. This is a dated catalog summary, not certification that every listed benefit is currently available on your account.
What is the annual fee for the Hilton Surpass Card?
American Express lists a $150 annual fee for the U.S. Hilton Honors Surpass card, checked September 26, 2026. The fetched product page did not support a first-year waiver; review the actual offer and your account terms before applying or renewing.
Does the Hilton Surpass Card come with a welcome bonus?
Welcome offers for Hilton Surpass can change and may depend on your application or account history. Check American Express's current offer for the bonus amount, eligible spending, deadline and exclusions; a catalog entry does not guarantee an offer or your eligibility.
Who should get the Hilton Surpass Card?
Hilton Surpass may fit someone whose normal spending matches its eligible earning categories and who can use the benefits shown above. Compare the current fee, purchase restrictions and realistic redemption value with other cards before applying.
How does the Hilton Surpass Card compare to other American Express cards?
Compare Hilton Surpass with other American Express cards using annual fees, eligible earning rates and the benefits you would use. The card tables and issuer catalog help you compare conditions; headline multipliers alone do not establish the better card.