Hilton Honors American Specific Surpass Card overview
*Card ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Hilton Surpass is a perfect alternative for individuals who keep at Hilton properties typically and desire a cobranded bank card with a modest annual payment and invaluable perks.
Advantages of the cardboard’s automated Hilton Gold standing embrace complimentary breakfast or each day meals and beverage credit score, elevated earnings and space-available upgrades when staying at Hilton properties.
We suggest candidates have a credit score rating of 670 or increased to be eligible for this card.
Should you’re fascinated with including the Hilton Surpass to your pockets, here is what it’s essential to know and may think about as you resolve.
Hilton Surpass execs and cons
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Hilton Surpass welcome supply
In keeping with TPG’s June 2025 valuations, this 130,000 factors portion of the bonus is price $650. The $0 introductory annual payment for the primary 12 months can also be a part of this supply.
This is not the very best supply when it comes to factors worth we have seen within the card’s historical past. Nevertheless, in the event you worth the $0 introductory annual payment for the primary 12 months, now might be a good time to use.
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Having most different Hilton bank cards does not make you ineligible for the welcome bonus, however keep in mind that Amex has a “as soon as per lifetime” rule on card bonuses. Amex additionally has these phrases for the welcome supply:
You is probably not eligible to obtain a welcome supply when you’ve got or have had this Card, the Hilton Honors Amex Ascend Card or earlier variations of those Playing cards. You additionally is probably not eligible to obtain a welcome supply primarily based on varied elements, similar to your historical past with bank card steadiness transfers, your historical past as an American Specific Card Member, the variety of bank cards that you’ve got opened and closed and different elements.
Fortunately, Amex will inform you earlier than submitting your utility in the event you’re not eligible for the bonus. Should you get this message, you may proceed with out the welcome supply or withdraw your utility earlier than Amex performs a tough pull in your credit score report.
Associated: An entire information to Amex’s one-bonus-per-lifetime restrictions
Hilton Surpass advantages
The welcome supply on the Hilton Surpass card is enticing, however the card’s ongoing perks present long-term worth for semi-regular Hilton company.
The next are among the perks the Hilton Surpass has to supply:
- Hilton Honors Gold standing: Complimentary Gold Elite standing, which incorporates an 80% factors bonus on paid stays, space-available room upgrades, elite rollover nights, a fifth evening free once you ebook a stick with factors and a each day breakfast or meals and beverage credit score. Spending $40,000 on the cardboard in a calendar 12 months will earn you top-tier Diamond standing by way of the top of the following calendar 12 months.
- As much as $200 in Hilton assertion credit: Earn as much as $200 again each calendar 12 months on eligible Hilton purchases (as much as $50 in assertion credit every quarter).
- Rental automotive elite standing: Obtain complimentary Nationwide Automobile Rental Emerald Membership Govt standing after enrollment within the Emerald Membership program
Enrollment is required for choose advantages; phrases apply.
The Hilton Surpass gives different advantages, too, together with no overseas transaction charges when touring outdoors the U.S., Ship & Break up to divide payments with mates, similar to a bunch dinner, and secondary rental automotive insurance coverage**.
** Eligibility and profit stage varies by card. Not all automobile sorts or leases are lined, and geographic restrictions apply. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm. Protection is obtainable by way of American Specific Journey Associated Providers Firm, Inc.
Associated: 5 causes to get the Hilton Honors Amex Surpass card
Incomes factors with the Hilton Surpass
The Hilton Surpass card is an effective way to earn Hilton factors.
You may earn 12 factors per greenback spent at Hilton Motels and Resorts — a 6% return on spending, primarily based on TPG’s June 2025 valuations. That is higher than you’d get with many of the greatest bank cards for reserving lodges.
You may additionally earn 6 Hilton factors per greenback spent on eating at U.S. eating places (together with takeout and supply), U.S. supermarkets, and U.S. fuel stations, providing you with a return of three% on these purchases.
The Hilton Surpass additionally earns 4 factors per greenback spent on U.S. on-line retail purchases, which will be maximized when clicking by way of purchasing portals. That is a return of two%.
Lastly, you will get 3 factors per greenback spent on all different eligible purchases — a return of 1.5%.
These returns on non-Hilton spending aren’t spectacular in comparison with basic journey rewards playing cards. However if you wish to increase your Hilton factors steadiness, the Hilton Surpass card supplies an honest return even for purchases outdoors the Hilton Honors program.
Associated: Reserving direct: How a lot worth does Hilton standing present?
Redeeming factors with the Hilton Surpass
Relating to the Hilton Honors program, your greatest guess is to redeem your Hilton factors without spending a dime nights.
Sadly, Hilton does not publish an award chart; as a substitute, it makes use of dynamic pricing, the place the variety of factors wanted for a redemption fluctuates primarily based on elements such because the money price of the resort, holidays and peak journey durations.
Certainly one of my favourite choices is to concentrate on properties that price comparatively few factors however present nice worth. Because of Hilton’s dynamic award charts, these will be arduous to search out, however with somewhat persistence and energy, you may rating some implausible offers.
Hilton’s Factors & Cash choice means that you can pay more money (and fewer factors) when making a reservation. This may be helpful when you do not have sufficient factors for a full reserving however do not wish to pay the complete price of the resort room.
Lastly, keep in mind that Hilton means that you can pool your factors with as much as 10 different members. If you wish to mix balances with a buddy or member of the family to place an much more luxurious award keep inside attain, you may.
Associated: 10 of the very best lodges on the planet to make use of your Hilton free evening reward redemptions
Which playing cards compete with the Hilton Surpass?
For these trying to earn and redeem factors with Hilton, pure opponents of the Hilton Surpass card shall be different Hilton bank cards. However it’s additionally price contemplating playing cards that earn factors you should utilize at Hilton along with different redemption choices.
For extra choices, try our picks for the very best journey playing cards.
The knowledge for the Hilton Amex Aspire Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Associated: Which bank card do you have to use for Hilton stays?
Backside line
Whereas the Hilton Surpass does not supply the flexibleness of a card just like the Amex Gold or the elite perks of the Hilton Aspire, it may nonetheless be simply what it’s essential to make your subsequent stick with the Hilton Honors program much more rewarding.
Should you’re in search of the advantages of Gold Elite standing and a number of invaluable assertion credit for an affordable annual payment, the Hilton Surpass might be a very good choice for you.
Apply right here: Hilton Honors American Specific Surpass Card
For charges and charges of the Hilton Surpass Card, click on right here.
For charges and charges of the Hilton Amex Card, click on right here.
