American Express· co-branded with Hilton Honors

Hilton Honors American Express Surpass Card

Annual fee

$150

Welcome bonus

130,000 Hilton Honors points

Foreign txn fee

Apply at American Express

(Direct link to issuer does not currently earn a commission on this card.)

Good to know before you apply

Automatic Hilton Honors Gold status (free breakfast/food credit + space-available room upgrades).
Free Night Reward after you spend $15,000 in a calendar year.
Spend $40,000 in a calendar year to reach Diamond status.
Up to $200 a year in Hilton statement credits ($50 per quarter).
12X on Hilton; 6X at U.S. restaurants, supermarkets, and gas stations; 4X on U.S. online retail; 3X on everything else.
$0 intro annual fee the first year, then $150. No foreign transaction fees.

The Hilton Honors American Express Surpass Card is the value sweet spot of the lineup: automatic Gold status, 12X on Hilton, a free weekend night after $15,000 of spend, and up to $200 a year in Hilton statement credits. With a $0 intro annual fee the first year (then $150), Gold's free breakfast and room upgrades alone can cover the fee for anyone who stays at Hilton a few times a year.

Welcome bonus

What you get for signing up and hitting the minimum spend.

130,000 Hilton Honors points · $3,000 spend in 180d

See the offer →

130,000 Hilton Honors points after spending $3,000 in the first 180 days.

$0 intro annual fee the first year, then $150. Offer ends 7/29/26.

Earn rates

How many points per dollar across categories.

4 categories · top rate 12x

See the multipliers →

Card-level multipliers. Earn currency: Hilton Honors.

Category	Rate	Notes
Hotel	12x	12X points on purchases made directly with Hilton portfolio hotels and resorts.
Dining	6x	6X points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
Online Retail	4x	4X points on U.S. online retail purchases.
All other purchases	3x	3X points on all other eligible purchases.

Transfer partners

Where you can move your Hilton Honors to airline + hotel programs.

24 partners

Meet the partners →

Points earned with this card transfer to 24 partner programs via Hilton Honors.

To	Ratio	Notes
Aeromexico Rewards	10:2.6	Aeromexico Rewards. 25,000-point minimum transfer (25:6.5 published, effective 10:2.6). One of the better Hilton outbound ratios.
Air Canada Aeroplan	10:1	Air Canada Aeroplan. 10,000-point minimum.
Flying Blue	10:1	Air France/KLM Flying Blue. 20,000-point minimum.
airasia rewards	10:2	AirAsia rewards. Better-than-standard 10:2 ratio.
ANA Mileage Club	10:1	All Nippon Airways (ANA) Mileage Club.
Avios	10:1	British Airways Club (Avios).
Cathay Pacific Asia Miles	10:1	Cathay Pacific Asia Miles.
China Eastern Airlines	10:1	China Eastern Eastern Miles.
Delta SkyMiles	10:1	Delta SkyMiles.
Emirates Skywards	10:1	Emirates Skywards.
Ethiopian ShebaMiles	10:1	Ethiopian Airlines ShebaMiles.
Etihad Guest	10:1	Etihad Guest.
EVA Air Infinity MileageLands	10:1	EVA Air Infinity MileageLands.
Hainan Airlines	10:4	Hainan Airlines Fortune Wings Club. 25,000-point minimum (2.5:1 published, effective 10:4) - the best Hilton outbound ratio of the lot, though Hainan award space is regionally limited.
Japan Airlines Mileage Bank	10:1	Japan Airlines Mileage Bank.
Malaysia Airlines Enrich	10:1.2	Malaysia Airlines Enrich. Slightly better than standard.
Qantas Frequent Flyer	10:1.5	Qantas Frequent Flyer. Better-than-standard 10:1.5.
Qatar Privilege Club	10:1	Qatar Airways Privilege Club.
Saudia Alfursan	10:1	Saudia Alfursan.
Singapore KrisFlyer	10:1.25	Singapore KrisFlyer. Better-than-standard 8:1 ratio (= 10:1.25). 4,000-point minimum (lowest of the lot).
Turkish Miles&Smiles	10:1	Turkish Miles&Smiles.
United MileagePlus	10:1	United MileagePlus.
Virgin Atlantic Flying Club	10:1.5	Virgin Atlantic Flying Club. Better-than-standard 10:1.5.
Velocity Frequent Flyer	10:1.5	Velocity Frequent Flyer (Virgin Australia). Better-than-standard 10:1.5.

Cardholder experiences

Members-only events, dining access, and special experiences bundled with this card.

2 programs

Browse the portals →

American Express Experiences

Amex's entertainment portal --- presales, preferred seating on concerts, sports, and Broadway. Available to U.S. Amex cardholders.

🔒 Access this perk through your cardmember account at the issuer's website or app.

Hilton Honors Experiences

Hilton's auctions and fixed-price events platform. Open to all Hilton Honors members.

🔒 Access this perk through your cardmember account at the issuer's website or app.

Free nights

Annual free night certificates and similar.

1 benefit

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Free Night After $15k

One Free Night Reward after $15,000 in purchases in a calendar year. Valid for one standard room (double occupancy) at nearly any property in the Hilton portfolio worldwide - with NO points or category cap. A short list of properties is excluded (see HiltonHonors.com/freenightreward). Covers resort fees and taxes on the room, can be combined with other Hilton promotions or added to an existing stay, and expires about 12 months after issuance. Redeem by calling 1-800-446-6677.

Status

Hotel / airline / partner status this card grants.

3 benefits

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Hilton Honors Gold Status

Automatic Hilton Honors Gold status (free breakfast/food credit + room upgrades).

Diamond After $40k Spend

Upgrade to Hilton Honors Diamond status after $40,000 in purchases in a calendar year.

National Emerald Club Executive

Complimentary National Car Rental Emerald Club Executive status.

Statement credits

Bill credits and recurring perks that offset annual fees.

1 benefit

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Up to $200 Hilton Credit

Up to $50 per quarter (up to $200/year) in statement credits on Hilton purchases.

Other

Other perks on this card.

1 benefit

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No Foreign Transaction Fees

No foreign transaction fees on purchases made outside the US.