Hilton Honors: Amex vs. Amex Surpass | finder.com

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Hilton Honors American Express Card vs Hilton Honors American Express Surpass® Card

Choose between the entry-level and mid-tier Hilton cards.

Updated

Fact checked

The winner: Hilton Honors American Express Surpass® Card

150,000-point

Welcome offer after spending $2,000 in first 3 months

  • Everyday rewards in addition to 12x points at Hilton
  • Enjoy Hilton Honors Gold Status
  • Earn a Weekend Night Reward when you spend $15,000
Apply now
Terms apply, see rates & fees
The Hilton Honors American Express Surpass® Card has a $95 annual fee. However, it offers 12x points on stays in the Hilton portfolio, as well as 6x points at US supermarkets, US restaurants and US gas stations. The $0-annual-fee Hilton Honors American Express Card offers 7x and 5x points in those categories, respectively.

For the extra cost, the Hilton Honors American Express Surpass® Card brings complimentary Hilton Honors Gold status and 10 free visits to Priority Pass Select lounges. Its counterpart offers Silver status.

Hilton Honors American Express Card

Hilton Honors American Express Card

See rates & fees

Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card

See rates & fees

Finder rating
Finder rating

★★★★★

4.4 / 5.0

★★★★★

4.5 / 5.0
Best for
Best for
  • No annual fee plus rewards for Hilton properties and everyday purchases
  • Strong rewards on Hilton properties and everyday purchases
Welcome offer
Welcome offer

100,000 points after spending $1,000 in the first 3 months, plus $100 after your first purchase in the first 3 months

150,000 points after spending $2,000 in the first 3 months, plus $150 after making a purchase in the first 3 months

Rewards
Rewards

7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases

12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases

Purchase APR
Purchase APR

15.74% to 24.74% variable

15.74% to 24.74% variable

Annual fee
Annual fee $0 $95
Cash advance
Cash advance

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $40 Up to $40
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 25 days 25 days
Minimum interest
Minimum interest $0 $0
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Learn more
Learn more

Read review

Read review

Compare Hilton Honors American Express Card vs. Hilton Honors American Express Surpass® Card

Data updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
Hilton Honors American Express Card
100,000 points after spending $1,000 in the first 3 months, plus $100 after your first purchase in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
With a massive welcome offer for a no-annual-fee card and up to 7x points at Hilton, this is a solid pick for Hilton fans and occasional travelers. Terms apply, see rates & fees
Hilton Honors American Express Surpass® Card
150,000 points after spending $2,000 in the first 3 months, plus $150 after making a purchase in the first 3 months
12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$95
With a big welcome offer worth up to $750, up to 12x points on spending, and free Gold status, this is an upgrade from the entry Hilton card. Terms apply, see rates & fees
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