Hilton Honors American Express Aspire Card
American Express
4.6 / 5
American Express
Hilton Aspire
- Welcome
- 200,000 points
- Annual fee
- $550
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American Express · hilton
Hilton Honors American Express Surpass Card
4.2 / 5
Hilton Honors points · Personal card
The $200 annual Hilton credit and the free night at $15,000 of spend cover the $150 fee for anyone who stays with Hilton a few times a year. Hilton points are worth well under a cent each, so the 12x headline rate is smaller than it looks.
At a glance
- Welcome bonus
- 130,000 points
- Spend $3,000 in 6 months
- Annual fee
- $150
- Year-one and ongoing
- Purchase APR
- 19.49% to 28.49%
- No intro APR
- FX fee
- None
Editorial
Our take
The $200 annual Hilton credit and the free night at $15,000 of spend cover the $150 fee for anyone who stays with Hilton a few times a year. Hilton points are worth well under a cent each, so the 12x headline rate is smaller than it looks.
Verdict
Pros & cons
Pros
- $0 introductory annual fee for the first year, then $150
- $200 in annual Hilton statement credits, issued $50 per quarter
- 6x on U.S. restaurants, supermarkets, and gas stations
- No foreign transaction fees
Cons
- Hilton Honors points redeem for well under a cent each
- The free night requires $15,000 of spend in a calendar year
- No lounge access or travel-delay coverage
Earnings
Earn rates
| Category | Rate | Notes |
|---|---|---|
| Hilton stays | 12x points | Eligible purchases made directly with hotels and resorts in the Hilton portfolio. |
| Restaurants | 6x points | U.S. restaurants, including takeout and delivery. |
| US supermarkets | 6x points | U.S. supermarkets, excluding superstores and warehouse clubs. |
| Gas stations | 6x points | U.S. gas stations. |
| US online retail | 4x points | U.S. online retail purchases from merchants selling physical goods direct to consumers. |
| All other purchases | 3x points |
Benefits
Key benefits
$200 Hilton credit
Up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio.
Hilton Honors Gold status
Complimentary Gold status, which carries an 80% points bonus on stays and space-available room upgrades at select properties.
Free Night Reward
A Free Night Reward from Hilton Honors after $15,000 in eligible purchases in a calendar year.
Path to Diamond status
Upgrade to Hilton Honors Diamond status through the end of the following calendar year after $40,000 in eligible purchases in a calendar year.
No foreign transaction fees
American Express charges no foreign transaction fee on purchases made outside the United States.
Fit
Who this is best for
- Regular Hilton guests who want Gold status without chasing nights
- Households spending on U.S. groceries, gas, and restaurants
- First-year applicants, since the annual fee is waived
FAQ
Frequently asked questions
What is the Hilton Honors Surpass Amex welcome bonus?
Earn 130,000 Hilton Honors points plus a Free Night Reward after spending $3,000 in the first 6 months.
Does the Hilton Honors Surpass Amex charge an annual fee?
Yes. The annual fee is $150 every year.
Does the Hilton Honors Surpass Amex have a foreign transaction fee?
No. The Hilton Honors Surpass Amex charges no foreign transaction fee, so it works well for international purchases.
What APR does the Hilton Honors Surpass Amex charge?
The purchase APR is 19.49% to 28.49% variable.
Who is the Hilton Honors Surpass Amex best for?
Regular Hilton guests who want Gold status without chasing nights. Households spending on U.S. groceries, gas, and restaurants. First-year applicants, since the annual fee is waived.
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Apply
Hilton Honors American Express Surpass Card
Spend $3,000 in 6 months
Rates accurate as of October 6, 2026. Issuer terms.