Hilton Honors American Express Surpass Card
By Alex Compton · Last verified
Gold status, quarterly Hilton credits, and a free night at $15k.
Welcome Bonus
130,000
≈$650 value
Spend Requirement
$3,000
in 6 months
Annual Fee
$150
No FTF
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Consider waitingThis card has offered 155k before; the current 130k is right at its typical 130k. Elevated offers have appeared 1 time in the last two years of our data, so if you can wait, history is on your side.
Current offer
130k
All-time high
155k
Typical offer
130k
In place since
June 2026
Last verified 2026-06-09 · spot an outdated offer? Tell us in the comments.
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Earning Rates
- 12xHilton portfolio hotels
- 6xUS restaurants, US supermarkets, US gas stations
- 4xUS online retail purchases
- 3xAll other purchases
Credits ($200/yr stated)
- Hilton credit$200
$50 quarterly on Hilton stays
Benefits
- ✦Hilton Honors Gold status (free breakfast or credit at most brands)
- ✦Free Night Reward after $15k annual spend
- ✦Diamond status after $40k annual spend
- ✦No foreign transaction fees
Why it earns its spot
- +Gold status on a $150 card is the best status-per-dollar deal in hotels
- +Quarterly credits fully offset the fee for regular Hilton guests
- +$15k free night is achievable for normal households
Where it costs you
- −Quarterly credit expires if you skip a Hilton stay that quarter
- −Half-cent points cap the value of the earn rates
The Compound Verdict
The sweet spot of the Hilton lineup. Gold status plus $200 in stay credits means anyone with four Hilton nights a year comes out ahead. Chase the $15k free night and the card turns properly profitable.
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