Hilton Honors American Express Surpass Card

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Card Details and Application Link
Hilton Honors American Express Surpass® Card
130K points + free night certificate
130K + free night certificate after $2K spend in 3 months. Terms apply.
Click Here to Apply

$95 Annual Fee

FM Mini Review: Easy way to secure Hilton Gold status (which offers free breakfast among other perks). Those who want Diamond status may be better off with the Aspire card.

Card Type: Amex Credit Card


Earning rate: ⚬ 12X Hilton spend ⚬ 6X U.S. restaurants, US Supermarkets, and US gas stations ⚬ 3X on all other eligible purchases

Big spend bonus:
⚬ Free night award after $15K spend in calendar year ⚬ Diamond elite status with $40K calendar year spend ⚬ Terms apply

Noteworthy perks: Free Gold status. Diamond status w/ $40K spend. ⚬ 10 free Priority Pass lounge visits per calendar year ⚬ Terms Apply.

See also: Hilton Amex Cards. Everything you need to know.

Application Tips

Amex Application Tips

  • Safe to Apply: Amex is the safest bank for trying your luck at earning a new welcome bonus offer. They don’t usually issue a hard pull when denying your application, and if you already have an Amex card, they won't usually issue a hard pull when approved for another one. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

  • Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from earning a welcome bonus offer for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

  • 90 Day Rule: You can get at most two credit cards within 90 days. This rule does not apply to Pay Over Time (charge) cards.

  • 5 credit card max: Amex usually won't approve applications for new credit cards if you already have 5 or more Amex credit cards or 10 or more charge cards.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day

Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)

Related Cards (Hilton)

Card Offer
Hilton Honors American Express Business Card
Limited Time Offer: 150K Points + free night certificate
150K + free night certificate after $4K spend in 3 months. Offer ends 7/19/23. Terms apply.

$95 Annual Fee

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GoBucketYourself Chris

I just tried the listed offer for 2 x free nights and it didn’t work. Might need to update the best current offer. Thanks!


Just got an offer in the mail for the surpass — 175k points after 4K spend. Trying to work the math on this vs the Aspire with 150k Sign up. Surpass is just $95 but I would be paying that fee for essentially nothing in return since we can’t travel and use the one good feature, gold status. Aspire has $450 fee but comes with a free night (valid for 2 years) and the other well described benefits, useful this year, that could wipe out that $450 fee (even without using diamond status, to keep things consistent). Next scenarios are 1) do the Surpass now with bigger bonus, then upgrade later (and hope for a bonus in doing so?), 2) do both sequentially and product change the surpass to a no fee card in 1 year. ….topic for discussion by the great Minds at FM?

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