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Amex Hilton Surpass Card

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welcome offer

Earn 130,000 points after spending $2,000 within the first 3 months. See rates and fees

Bonus Value

Approximately $520 - $650

Annual Fee

Card Rewards

12 points on Hilton purchases

6 points at US gas stations, US supermarkets and US restaurants

3 points on all other purchases

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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The Hilton Surpass card really is the perfect card to use to rack up Hilton points! Earn 12 points on each dollar spent with Hilton hotels, 6 points on gas, supermarkets, and dining in the US, and 3 points per dollar on all other purchases. Enjoy some great benefits during your Hilton stay, like, complimentary Gold status, (and possibly Diamond status), and a weekend night reward after you spend $15,000 in purchases on your Card in a calendar year. The Hilton Honors Surpass card is also the cheapest credit card that comes along with the Priority Pass airport lounge access.

Card-Smart Tips & Advice
  • Credit: Fair credit is ok
  • Amex 90-day rule: In a time span of 90 days, you can only get approved for 2 Amex cards.
  • Max cards: You can only get approved for up to - and including- 5 Amex credit cards (including personal and business), but this rule isn’t always enforced (please note the total of 5 credit cards excludes some Amex cards that are No Preset Spending Limit* cards like the Amex Platinum, Amex Gold, etc)
  • Apply for two cards: If you apply for one Amex card and get approved, it is recommended to apply for a second card since Amex is very good about approving for two cards, even within the same day
  • Credit bureau:  Amex will usually pull your Experian credit report. With the new "Apply With Confidence" feature, Amex will first do only a soft pull on your credit report and will let you know if approved or not. Only after you accept the approval will Amex do a hard pull on your credit (this feature is currently only available on Amex consumer cards. See more details below)
  • Combining same-day credit inquiries: Credit inquiries for same-day applications will be combined, as long as they are both approved for on the same day. Note, for some existing Amex credit cardholders, Amex will not do a hard credit pull when applying for a new credit card at any time
  • Check application status: You can check your application status  here  or call 1 800 567 1083
  • Reconsideration: If declined you can call 1 800 567 1083 to be reconsidered
  • Quickest way to get my card: Amex will sometimes give you an instant credit card number after approval, but not always. Amex physical credit cards cannot be expedited (except for the platinum cards) and will arrive after 5-7 business days
  • Downgrade options: The Amex Hilton Surpass card can be downgraded to the Amex Hilton ($0). Please note, it is not recommended to downgrade an Amex card before 12 months of account opening.

Approval Monitor (submitted by HelpMeBuildCredit users)

100% Approved
728 Avg. Score of those approved
0% Denied
Approved 100% (20)
Denied 0% (0)

Credit limit range $1,000-$30,000

Avg. Credit limit$7,930

Approved 100% (20)
Denied 0% (0)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

Welcome Offer Eligibility
You can only receive 1 welcome bonus per lifetime on each Amex credit card. If you are not eligible for the welcome bonus you will be notified by Amex before you submit the application. 
Card Details And Benefits

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

Foreign Transaction Fee

No foreign transaction fee.

Upgraded Status

Enjoy complimentary Hilton Gold Status.

Plus, earn Hilton Honors Diamond Status through the next calendar year after $40,000 spent annually .

Free Night Certificate

Get a free 1-weekend night hotel stay from Hilton Honors after you spend $15,000 within an anniversary year.

Lounge Access

Receive 10 free Priority Pass lounge passes annually

Auto Rental Collision Insurance

Secondary worldwide coverage on rentals up to 30 days (excluding Australia, Italy, and New Zealand). Max $50,000. You can purchase a premium plan from Amex that will offer primary coverage up to 42 days. Max $100,000.

Lost Luggage Reimbursement

Get covered for lost or damaged luggage up to $500 per person for checked baggage and up to $1,250 per person for carry-on baggage. Max $10,000 per trip for NY residents.

Extended Warranty Protection

Get one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 3 years or less. Max $10,000 each claim and $50,000 per year.

Purchase Protection

Get refunded if your purchase is damaged or stolen, up to 90 days from the date of purchase. Max $1,000 per claim, $50,000 per year.

How can the points be used?

The points can be redeemed for free nights at Hilton hotels and its brands at the approximate value of a half a penny per point. 

Hilton brands include:

  • Waldorf Astoria
  • LXR
  • Conrad
  • Canopy
  • Signia Hilton
  • Hilton
  • Curio Collection
  • DoubleTree
  • Tapestry Collection
  • Embassy Suites
  • Tempo
  • Motto
  • Hilton Garden Inn
  • Hampton
  • Try
  • Homewood Suites
  • Home Suites 2
  • Hilton Grand Vacations

Additional Resources

Targeted Offers

These links may have higher targeted offers. (You can try the links through incognito tabs or different browsers). Please note, these links are not affiliated links and we do not earn commission through applications submitted via these links. Please only use these links if you have been targeted for a higher offer.


*No Preset Spending Limit means the spending limit is flexible. [In fact,] unlike a traditional [credit] card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history

The new application experience is currently available for individuals applying for a U.S. Personal Card via HelpMeBuildCredit, at, or by calling American Express, and is not available if you apply for a Card after you log into an existing Card Member Account.

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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