American Express
Hilton Honors American Express Surpass Card Review 2026
Welcome offer: 130,000 Hilton points after $3,000 spend in first 6 months
Annual Fee
$150
APR
20.99–29.99%
Min. Credit Score
670
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Key Features
StatusComplimentary Gold status (room upgrades + free breakfast at select properties)
Rewards Rate12x Hilton points at Hilton hotels, 6x restaurants/supermarkets/gas, 4x elsewhere
Free Night RewardAfter $15,000 spend per year
Foreign Transaction FeeNo
Travel RewardsYes
Rates & Terms
Variable APR20.99% – 29.99%
Annual Fee$150
Recommended Credit Score670+
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Ask the AIRates and terms are approximate and subject to change. Always verify current terms directly with American Express before applying. This is not financial advice.