American ExpressBest for Hilton hotel stays
Hilton Honors American Express Surpass®
Annual Fee
$150/yr
Rewards Rate
3x-12x
Intro Offer
130,000 points
Regular APR
22.49%-29.49% Variable
Hilton Honors American Express Surpass®
Hilton Honors American Express Surpass®
130,000 bonus points. 12x at Hilton. 6x at restaurants, supermarkets, gas.
Our take
Strong earning rates with 12x at Hilton, 6x at restaurants, supermarkets, and gas. Automatic Gold status and free weekend night after $15k annual spend. Best for Hilton loyalists who eat out.
Highlights
What we like
12x points at Hilton properties
6x at restaurants, supermarkets, and gas
Automatic Hilton Gold status
Free weekend night after $15k annual spend
The trade-off
$150 annual fee
Hilton points worth less per point than rivals
Free night requires $15k spend to unlock
Is this card right for you?
Answer a few quick questions — we'll tell you if it fits your spending habits and credit profile.
Full details
Rewards & Perks
| Rewards rate | 3x-12x |
| Rewards type | Points |
| Bonus categories | 12x on Hilton purchases6x on restaurants6x on U.S. supermarkets6x on U.S. gas stations3x on all |
| Welcome offer | 130,000 points |
| Offer requirements | after $3,000 spend in first 6 months |
Fees & APR
| Annual fee | $150/year |
| Intro APR (purchases) | N/A |
| Ongoing APR | 22.49%-29.49% Variable |
| Foreign transaction fee | None |
Eligibility
| Recommended credit score | 670-850 |
Frequently asked questions
What credit score do I need?
This card typically requires a 670-850 credit score. Building or maintaining good credit before applying improves your approval odds.
Are there foreign transaction fees?
No — this card has no foreign transaction fee, making it an excellent choice for international travel and purchases.
How do I earn the welcome offer?
after $3,000 spend in first 6 months
Can I product-change or upgrade this card?
Many issuers allow product changes within the same card family. Contact the issuer directly after 12 months of card membership to ask about upgrade options.
Hilton Honors American Express Surpass®