Hilton Honors American Express Surpass® Card
$150 a year. Purchase APR 19.74–28.74%, variable.
- Annual fee
- Cardmember agreementFiled with the CFPB · PDF
“Annual Fee $150”
- Purchase APR, variable
- Cardmember agreementFiled with the CFPB · PDF
“(APR) for Purchases Prime Rate + 12.74% to Prime Rate + 21.74%”
- Prime rate, in effect since Sep 17, 2026
- 7.00%
- Card margin
- +12.74–21.74%
- APR today
- 19.74–28.74%
- Foreign transaction fee
- Cardmember agreementFiled with the CFPB · PDF
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $270 | $120 |
| Typical spender | $650 | $500 |
| Heavy spender | $1,315 | $1,165 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 0.5¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 95% of the 650 cards we track.
- Lower top APR than about 25% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn · Hilton Honors
- 12× pointsEligible purchases charged directly with a property within the Hilton portfolio
- 6× pointsEligible purchases at restaurants located in the U.S.
- 6× pointsEligible purchases at supermarkets located in the U.S.; superstores and warehouse clubs are not considered supermarkets
- 6× pointsEligible purchases on gasoline at gas stations located in the U.S.; superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations
- 4× pointsEligible U.S. online retail purchases
- 3× pointsEverything else
Rates and fees
| Annual fee | Cardmember agreementFiled with the CFPB · PDF “Annual Fee $150” |
|---|---|
| Purchase APR | Cardmember agreementFiled with the CFPB · PDF “(APR) for Purchases Prime Rate + 12.74% to Prime Rate + 21.74%”
|
| Cash advance APR | Cardmember agreementFiled with the CFPB · PDF “APR for Cash Advances Prime Rate + 21.99%”
|
| Cash advance fee | Cardmember agreementFiled with the CFPB · PDF “Either $10 or 5% of the amount of each cash advance, whichever is greater.” |
| Penalty APR | Cardmember agreementFiled with the CFPB · PDF “Prime Rate + 26.74%”
|
| Late payment | Cardmember agreementFiled with the CFPB · PDF “Late Payment: Up to $40.” |
| Returned payment | Cardmember agreementFiled with the CFPB · PDF “Returned Payment: Up to $40.” |
| Foreign transactions | Cardmember agreementFiled with the CFPB · PDF The source states this figure; we have no exact sentence on file yet. |
| Grace period | Cardmember agreementFiled with the CFPB · PDF “Paying Interest Your Due Date is at least 25 days after the close of each billing period.” |
Carrying a balance? See how long it takes to pay off at 28.74% APR
Benefits
- Hilton property credit: $50 quarterly
- Complimentary Hilton Honors Gold Status, including an 80% Points earning Bonus on Stays, daily food and beverage credit or complimentary continental breakfast depending on brand and region, space-available room upgrades at select properties, and the 5th night free on standard room stays of 5 or more nights booked with 100% Points
- Hilton Honors Diamond status upgrade through the end of the following calendar year after spending $40,000 in eligible purchases in a calendar year; includes a 100% Points earning Bonus on stays, space-available room upgrades and executive lounge access at select properties, premium Wi-Fi at select properties, and food and beverage credit or complimentary continental breakfast at select brands
- Free Night Reward from Hilton Honors after spending $15,000 on eligible purchases in a calendar year
- Complimentary National Car Rental Emerald Club Executive status after enrollment through the American Express online account using the Card, including Executive Area Access for full-size reservations and above in the USA and Canada
- Amex Presale Tickets and Amex Reserved Tickets access to select events, while supplies last
- American Express Venue Collection benefits at select stadiums and arenas, including dedicated entrances or fast lanes; after enrollment, 10% back on qualifying concessions purchases up to $250 per calendar year
- Global Assist Hotline available 24/7 when traveling more than 100 miles from home for emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance; third-party service-provider costs are the Card Member's responsibility
- 10% back on qualifying American Express Venue Collection concessions purchases, up to $250 per calendar year
- Rental car
- Baggage: Up to $1,250 for carry-on baggage and up to $500 for checked baggage; for New York State residents, a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip
- Purchase protection: Up to $1,000 per Covered Purchase, up to $50,000 per calendar year
- Extended warranty: Limited to the actual amount charged on the Card for the item up to $10,000 per item and $50,000 per calendar year
Questions
- What is the annual fee?
- $150 Filed with the CFPB · PDF, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. Filed with the CFPB · PDF, since Sep 29, 2026
- What is the purchase APR?
- 19.74–28.74% APR Filed with the CFPB · PDF, since Sep 29, 2026
Other points cards with fees up to $300
- WealthRegions · $125 a year+$125 a year
- Business Essentials PlusUS Bank · $295 a year−$195 a year
- Marriott Bonvoy BevyAmerican Express · $250 a year−$340 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).