Best For
Rewards Rate - Points
- 12x Hilton purchases
- 6x U.S. restaurants, supermarkets, and gas stations
- 4x U.S. online retail purchases
- 3x all other purchases
- Intro offer
- 130,000 points after $3,000 spend in 6 months
- Annual fee
- $150
- Regular APR
- 20.99 ā 29.99 Variable APR
- Recommended credit
- 700ā850 (Good to Excellent)
- Travel Perks
- Hotel Status, Rental Car Insurance, Travel Insurance
Highlights
- Complimentary Hilton Honors Gold status with roomāupgrade potential and enhanced earnings.
- Elevated points on eligible purchases made directly with Hilton hotels and resorts.
- Annual Hiltonāspecific statement credits (enrollment required; terms apply).
- Free Night Reward available after meeting an annual spend threshold.
- No foreign transaction fees from American Express.
Who is this card good for?
- Travelers who stay with Hilton several times per year and can use Gold status.
- Cardholders who will reliably trigger the annual Hilton credits.
- Families leveraging high earn rates on direct Hilton bookings.
- International travelers who value no foreign transaction fees.
Pointalize Opinion
Pros
- Gold status adds daily, tangible value at many brands.
- Directābooking earn accelerates free nights.
- Annual Hilton credits can offset costs when used.
Cons
- Perks are Hiltonācentric; limited value if you seldom use the chain.
- Credits require activation and are useāitāorāloseāit.
Pointalize Final Thoughts
For regular Hilton guests, Surpass is a sweet spot: strong onāproperty earn, automatic Gold status and usable annual credits.