Is the Hilton Surpass Amex card price it?

In our opinion, the Hilton Honors American Specific Surpass® Card is effectively price its $150 annual charge (see charges and charges) for those who’re a Hilton loyalist, because it presents useful earnings charges and automated Hilton Gold elite standing (phrases apply).

Hilton Gold standing consists of complimentary breakfast, room upgrades and boosted earnings when staying at Hilton manufacturers, making it one of the useful automated standing perks on any card.

Hold studying to find why this card is well worth the annual price ticket.

Hilton Surpass welcome provide

New Hilton Surpass cardmembers can earn 130,000 bonus factors plus a free night time reward after spending $3,000 in purchases on the Hilton Honors American Specific Surpass Card within the first six months of card membership.

The cardboard’s present provide meets our standards for a good time to use, as these factors are price $780 plus the worth of a free night time reward in accordance with our March 2025 valuations.

American Specific lists the next phrases for the welcome provide:

You will not be eligible to obtain a welcome provide when you’ve got or have had this Card, the Hilton Honors Amex Ascend Card or earlier variations of those Playing cards. You additionally will not be eligible to obtain a welcome provide primarily based on numerous components, comparable to your historical past with bank card stability transfers, your historical past as an American Specific Card Member, the variety of bank cards that you’ve got opened and closed and different components. In case you are not eligible for a welcome provide, we are going to notify you previous to processing your software so you will have the choice to withdraw your software.

Earlier than you submit your software, Amex will let whether or not you are eligible for the bonus.

Associated: A whole information to Amex’s one-bonus-per-lifetime restrictions

Earn bonus factors with Hilton

The Hilton Surpass card earns 12 factors per greenback spent at Hilton resorts and resorts, 6 factors per greenback spent on eating at U.S. eating places (together with takeout and supply), U.S. supermarkets and U.S. fuel stations, 4 factors per greenback spent on U.S. on-line retail purchases and three factors per greenback spent on all different eligible purchases.

The non-Hilton spending returns aren’t superb, however you will nonetheless earn appreciable worth with simply your Hilton spending — another excuse to think about this card for those who’re a Hilton loyalist.

It is price mentioning right here that the Hilton Gold standing that comes complimentary with the Hilton Surpass grants further bonus factors for each greenback spent with Hilton. Through the use of your Hilton Surpass on eligible Hilton purchases, you will web 30 factors per greenback.

Redemption choices

The only approach to maximize your Hilton Honors factors is to redeem them at no cost nights. Nevertheless, you need to be aware Hilton’s dynamic pricing system, which might fluctuate primarily based on the time of 12 months and different components.

Hilton’s Factors Explorer web page may help you identify what number of factors you will want for a free night time throughout properties inside the Hilton portfolio. You may all the time leverage your redemption with Hilton’s fifth-night free perk to maximise your use of factors.

Hilton Honors additionally permits members to earn and redeem Hilton factors with companions. Nevertheless, most non-hotel redemption choices present comparatively low worth on your factors, so you will probably wish to avoid these choices.

Associated: The 21 finest Hilton resorts on this planet

Elite standing

The Hilton Surpass presents complimentary Hilton Gold standing, which incorporates the next perks (further phrases could apply):

• 80% factors bonus on paid stays
• House-available room upgrades as much as executive-level rooms
• Elite rollover nights
• Fifth night time free while you e book a keep fully with factors
• Each day breakfast or a meals and beverage credit score

Moreover, for those who spend greater than $40,000 on the cardboard in a calendar 12 months, you will earn Diamond standing, Hilton’s top-tier providing, by way of the top of the subsequent calendar 12 months. Phrases apply.

Cardmembers additionally obtain complimentary Nationwide Automotive Rental Emerald Membership Govt standing after enrollment within the Emerald Membership program. Phrases apply. Advantages embody elevated entry to vehicles, assured upgrades and no second-driver charges.

In the event you do not use Nationwide you possibly can leverage the elite standing to finish a standing match to different automobile rental corporations.

Associated: Evaluating the perfect lodge elite standing tiers and easy methods to earn them

Hilton assertion credit score

A useful perk of the Hilton Surpass that helps to offset the annual charge is an announcement credit score towards eligible Hilton purchases. Cardmembers obtain as much as $50 in assertion credit every quarter (as much as $200 each calendar 12 months) when utilizing the cardboard for Hilton purchases.

Enrollment is required; phrases apply.

Eligible purchases for the assertion credit score are these charged instantly with a Hilton portfolio property, together with room charges and incidental fees comparable to room service, minibar consumption and laundry providers.

Even for those who do not stay at a Hilton property each quarter, you could possibly maximize this credit score by buying a Hilton present card on-line, or visiting a Hilton property to have a meal or buy one thing from the present retailer.

Associated: Battle of the mid-tier lodge playing cards

Free night time reward

The Hilton Surpass presents a free night time reward while you spend $15,000 on purchases on the cardboard in a calendar 12 months. It may be used at nearly any Hilton property worldwide. Phrases apply.

In the event you worth that free night time at, say, $300, that also makes for a 2% return on the $15,000 in spending.

Associated: Easy methods to get most worth from Hilton free night time certificates

Different advantages

Lastly, the Hilton Surpass consists of no overseas transaction charges (see charges and charges) when touring outdoors the U.S. and Amex’s “Ship & Break up” characteristic, which helps you to divide payments like a gaggle dinner with pals. Enrollment is required; phrases apply for choose advantages.

Moreover, the cardboard comes with Amex’s “Plan It” perk, which makes it potential to pay giant purchases over time, plus secondary rental automobile insurance coverage of as much as $50,000 for theft or harm.*

Enrollment shouldn’t be required for the “Plan It” perk.

*Eligibility and profit degree varies by card. Not all car sorts or leases are coated, and geographic restrictions apply. Phrases, situations 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

Backside line

The Hilton Surpass would not have the pliability or over-the-top perks of another playing cards, but it surely could possibly be simply what you are searching for for those who’re a semi-frequent traveler who’s a fan of Hilton.

Automated Gold standing, excessive points-earning alternatives and as much as $200 in annual Hilton credit every calendar 12 months make this card a terrific possibility for Hilton loyalists.

To be taught extra, learn our full evaluation of the Hilton Surpass.

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Apply right here: Hilton Honors American Specific Surpass Card

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For charges and charges of the Hilton Surpass Card, click on right here.