Hilton Honors Surpass
$0 intro annual fee the first year, then $150
Credits 2
Every statement credit on this card, how often it comes back and when it resets. Together they’re worth up to $200 a year in cash credits, not counting ones you unlock by spending, points or free nights.
Every quarter
Up to $50 per calendar quarter on purchases made directly with a property in the Hilton portfolio.
Every year
Free Night Reward (standard room, most Hilton hotels); ~$250 conservative value.
Condition: After $15,000 in purchases in a calendar year
Perks 4
Benefits you use rather than credits that post to your statement.
Complimentary Gold: 80% points bonus, daily F&B credit or breakfast (varies by brand/region), upgrades.
Diamond through the end of the next calendar year after $40,000 in calendar-year spend.
Complimentary with enrollment.
The card's Gold status gets every 5th night free on standard-room award stays of 5 nights or more.
Also included
- No foreign transaction fees
- Car rental loss and damage insurance
- Baggage insurance
- Purchase protection
Before you apply
American Express’s application rules, as reported by people who applied. Banks don’t publish most of these. All banks’ rules
No more than two new Amex credit cards in a 90-day span. Charge cards such as Platinum, Gold and Green are left out of the count. A third credit card application within 90 days is usually turned down.
One new Amex credit card every 5 days at most. A second application within 5 days usually sits in pending until the 5 days are up.
You can usually have up to 5 Amex credit cards open at the same time. Charge cards are separate. With 5 open, new Amex credit cards get declined. Closing or downgrading one frees a spot.
Never miss one of these credits
Add the Hilton Honors Surpass to Premium Finance, our free app. It lists each credit with a checkbox, reminds you before they expire and shows whether the card earned its fee. Free.
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Last checked Oct 16, 2026. Spot something out of date? Tell us.