Amex Hilton Surpass
$150/year, earning Hilton Honors Points, on the American Express network.
Card terms last verified against issuer pages on 2026-09-20.
The Amex Hilton Surpass is a $150/year card from American Express earning Hilton Honors Points. It earns 12x on hilton, 6x on dining, 6x on grocery and 3x on everything else. It carries 1 recurring statement credit worth $200 a year, listed in full below with the cap and reset date for each.
Welcome bonus
Welcome offers change frequently and are often targeted. Confirm the current offer on the issuer's own application page before applying.
What it earns
Rates are the multipliers American Express advertises. We do not convert them into a percentage return, because that requires putting a price on Hilton Honors Points and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Hilton | 12x | |
| Dining | 6x | |
| Grocery | 6x | |
| Gas | 6x | |
| Retail Online | 4x | Booked through the American Express travel portal |
| Other | 3x | Everything else |
Statement credits
$200 a year across 1 credit against a $150 annual fee. The columns that matter are the cap and the reset date: a credit paid monthly cannot be saved up, and one that resets on the calendar year expires on 31 December no matter when you opened the card.
Status and included memberships
- Hilton Honors Diamond Status after $40,000 spend — Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Diamond status through the end of the next calendar year. Diamond status offers a 100% Bonus on Base Points, premium Wi-Fi at select properties, daily food & beverage credit or complimentary breakfast, space-available room upgrades, executive lounge access, and more.
- National Emerald Club Executive Status — As a Hilton Honors American Express Surpass® Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status. After enrollment, enjoy benefits such as access to Executive Selection, faster rentals, and exclusive offers. Enrollment required.
- Free Night Reward after $15,000 spend — Earn one Free Night Reward after you spend $15,000 on eligible purchases on your Card in a calendar year. The Free Night Reward can be redeemed at nearly any Hilton property worldwide, subject to availability and standard reward night terms.
- Hilton Honors Gold Status — Enjoy complimentary Hilton Honors™ Gold status with your Card. Gold status offers an 80% Bonus on Base Points earned on every stay, space-available room upgrades at select properties, daily food & beverage credit at select brands in the U.S. or complimentary continental breakfast at select brands outside the U.S., and more. Enrollment required.
Questions people ask about the Amex Hilton Surpass
What is the annual fee on the Amex Hilton Surpass?
The Amex Hilton Surpass has a $150 annual fee.
What statement credits does the Amex Hilton Surpass include?
It carries 1 recurring statement credit worth $200 a year in total: $200 Hilton Credit ($50 quarterly, resets on the cardmember year). Verified 2026-09-20.
What does the Amex Hilton Surpass earn?
12x on hilton, 6x on dining, 6x on grocery, 6x on gas, and 3x on everything else, in Hilton Honors Points.
Is the Amex Hilton Surpass worth the annual fee?
Its recurring statement credits total $200 a year against a $150 fee, so the card pays for itself on credits alone if you use 75% of them. Whether that holds depends on whether the specific merchants suit you — the credit table on this page lists each one.
Does the Amex Hilton Surpass charge foreign transaction fees?
No — the Amex Hilton Surpass has no foreign transaction fee.
Other American Express cards
Amex Blue Cash Everyday
Amex Blue Cash Preferred
