American Express
Hilton Surpass
$150 / yr · Earns Hilton Honors
A mid-tier Hilton cobranded card with a $95 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.
Earning rates
| Category | Rate | Notes |
|---|---|---|
| Hotels | 12x | |
| Online retail | 4x | |
| Everything else | 3x |
Benefits
Welcome Bonus
- Welcome Bonus Points130,000 pts
Earn 130,000 Hilton Honors points after spending $3,000 in purchases within your first 6 months of card membership. These points can be redeemed for free nights, upgrades, and other rewards across the Hilton portfolio.
Bonus Earnings
- 12x Earning Rate on Hilton Spend
Earn 12 Hilton Honors points per dollar on eligible spending at Hilton hotels and resorts worldwide, including room charges, on-property dining, spa services, and other charges billed directly through Hilton. Third-party charges billed separately may not qualify.
Resets: Yearly - 6X Points on U.S. Restaurants, Supermarkets, and Gas Stations
Earn 6 Hilton Honors points per dollar at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. The rate kicks in automatically at eligible merchants — no activation required. Purchases at these merchant types outside the U.S. earn the base rate instead.
Resets: Yearly - 4x Earning Rate on U.S. Online Retail Purchases
Earn 4 Hilton Honors points per dollar on purchases at eligible U.S.-based online retailers. The bonus rate applies automatically at checkout with no sign-up needed, covering a broad range of U.S. e-commerce merchants.
Resets: Yearly - 3X Points on All Other Eligible Purchases
Earn 3 Hilton Honors points per dollar on all eligible purchases that don't fall into a higher bonus category. This base rate applies automatically with no activation required, covering general everyday spending.
Resets: Yearly
Statement Credits
- CLEAR Plus Fee Credit$209 / yrTrackable
Get up to $209 back per calendar year toward a CLEAR+ membership. CLEAR+ uses biometric ID to speed up security at hundreds of U.S. airports and stadiums. The credit is applied automatically when you pay the membership fee with your card.
Resets: Yearly - 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: Quarterly
Travel Benefits
- Free Night Award via Big Spend
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: Yearly
Hotel Status
- Hilton Honors Diamond Status via Spend
Spend $40,000 in eligible purchases within a calendar year to earn Hilton Honors Diamond status — the program's top tier. Diamond perks include room upgrades, executive lounge access, and a 100% bonus on Base Points earned during stays.
Resets: Yearly
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.
Resets: Yearly