Unlock Infinite Travel with Hilton Surpass
Link: Apply now for the Hilton Honors American Express Surpass® Card
Let’s face it, hotel credit cards often don’t get the applause they deserve. That’s primarily because most people overlook the spectacular welcome bonuses and perks these cards bring to the table. Enter the Hilton Surpass Card—a shining star in the mid-range personal credit card firmament.
Now, while you could dive deep into an extensive review of the Hilton Surpass Card, I’ve boiled it down right here to give you not one, not two, but eight reasons why you should consider snapping up this $150 annual fee card. So let’s get cracking!
130,000 Hilton Honors Points + Free Night Award
Right up until April 29, 2025, the Hilton Surpass Card rolls out a limited-time welcome offer: a whopping 130,000 Hilton Honors points plus a free night award if you spend a mere $3,000 in the first six months. Now, in my little book of card values, those 130,000 points translate to $650. And that free night? Picture staying at a Hilton where you’d otherwise fork over up to 150,000 points per night. That’s some serious value.
Hilton Honors Gold Status
Here’s the golden nugget with the Hilton Surpass Card: Gold elite status. It’s the kind of offer that throws in perks you’re bound to appreciate, like free breakfasts, daily credits for food and drinks, and upgrades that’ll have you feeling like royalty (or at least, the next best thing). Gold status is the proverbial icing on the cake.
Up to $200 in Hilton Credits Per Year
Regularly find yourself checking into Hilton stays? Then the up to $200 in statement credits per year offered by the Hilton Surpass Card is your gravy train. Here’s how it pans out: Spend at least $50 in any quarter on a Hilton stay, and cha-ching! That’s $200 naturally flowing back into your pocket annually.
Free Night Award with Spending
Let’s get practical. Spend $15,000 with the Hilton Surpass Card over a year and you’ll bag yourself yet another free night award. That’s an invite to lounge luxuriously at just about any Hilton property worldwide. A win-win, if you ask me.
12x Honors Points on Hilton Stays
Let’s do some quick math. Use your Hilton Surpass Card at any Hilton property and earn 12x Honors points for every dollar spent—that’s equivalent to a 6% return value. Love collecting points? All the more reason to let this card do its magic during your Hilton stays.
National Emerald Club Executive Status
The card also tosses in the National Emerald Club Executive Status. If you’re a frequent car rental customer, this news should make you happy. Being part of this club means better cars, faster rewards, and a smoother overall rental experience. It practically pays for itself.
6x Honors Points on Gas, Groceries, and Dining
Some cards try, but few rival the Hilton Surpass Card when it comes to earning bonus points outside hotel stays. We’re talking about 6x Honors points for dining in or taking out, fueling up, and even grocery runs. Now that’s a well-rounded card! By spending strategically—hit that $15,000 sweet spending spot annually—you’ll walk away with a lovely bounty of 90,000 Honors points plus a free night certificate.
Amex Offers
One of those oft-overlooked gems: the Amex Offers program. Many savvy users end up scoring huge savings just by jumping on these offers, found exclusively through American Express cards. Accumulated over time, they can make the annual fee vanish into thin air.
Looking for a Business Card?
If you’re already a cardholder of the Hilton Surpass or hunting for something with a business-oriented flair, there’s the Hilton Honors American Express Business Card waiting in the wings. It covers much of the same ground and has its own unique set of perks and bonuses that can work wonders for the smart spender.
Bottom Line
If you’re a travel enthusiast or simply love a good deal, the Hilton Surpass Card should be high on your list. Not only does it shower you with elite status perks and substantial bonus points, but it also justifies its annual fee with ease—thanks to its well-rounded offerings. So, how’s your experience been with the Hilton Surpass Card?
The following links will direct you to the rates and fees for mentioned American Express Cards. These include: Hilton Honors American Express Surpass® Card (Rates & Fees).