# Hilton Honors American Express Surpass® Card

> Earn up to 12x at Hilton and 6x on dining. $200+ in statement credits per year. $150 annual fee.

Canonical page: https://cardstack.money/cards/hilton-honors-american-express-surpass-card
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## At a glance

- Issuer: American Express
- Network: Amex
- Annual fee: $150
- Rewards program: Hilton Honors (https://cardstack.money/programs/hilton-honors.md)
- Total statement credits value: $200 per year
- Net value after annual fee: +$50 per year (credits value minus fee)
- Welcome offer: 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases in the first 6 months.

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 12x | Hilton hotels |  |
| 6x | Dining |  |
| 6x | Groceries |  |
| 6x | Gas & EV Charging |  |
| 4x | Online Shopping |  |
| 3x | All other purchases | Base earn rate |

## Statement credits

### Hilton Credit - $200/yr ($50 quarterly)

Up to $50 in statement credits each quarter (up to $200/year) on purchases made directly with a property in the Hilton portfolio when paid with the card.

- Resets: Quarterly
- Where to redeem: Hilton properties – resort charges, dining, spa
- Details: https://cardstack.money/benefits/hilton-honors-american-express-surpass-card-hilton-credit.md

## Featured benefits

- **Hilton Honors Gold Status** (Hilton Gold status): Complimentary Hilton Honors Gold status while you hold the card. Enroll through your American Express account benefits page.
- **National Emerald Club Executive Status** (National Executive status): Complimentary National Emerald Club Executive status: choose a full-size or better car from the Executive Area at the midsize rate, bypass the counter at Emerald Aisle locations, and no fee for an additional driver on qualifying rentals. Enrollment required.

## Other benefits

- **Earn rule**: Spend $15,000 in eligible card purchases in a calendar year to earn a Free Night Reward at participating Hilton properties.
- **Earn rule**: Spend $40,000 in eligible card purchases in a calendar year to upgrade to Hilton Honors Diamond status through the end of the next calendar year.
- **No Foreign Transaction Fees**: No American Express foreign transaction fees on purchases processed outside the U.S.
- **Car Rental Loss and Damage Insurance (secondary)**: Decline the rental company's collision damage waiver and pay with the card to be covered for theft or damage to a Rental Vehicle in a Covered Territory; not available in Australia, Italy, or New Zealand.
- **Baggage Insurance Plan**: Coverage for lost, damaged, or stolen baggage when the entire fare is paid with the card; up to $1,250 for carry-on and $500 for checked baggage in excess of common-carrier coverage; New York residents: $10,000 aggregate maximum per Covered Trip.
- **Purchase Protection**: Up to $1,000 per Covered Purchase for 90 days against theft or accidental damage; up to $50,000 per Card Member account per calendar year.
- **Extended Warranty Protection**: Adds up to one extra year to the manufacturer's U.S. warranty on eligible warranties of 5 years or less; up to $10,000 per item and $50,000 per calendar year.
- **Welcome offer caveat**: Variable APR 19.49%–28.49% on purchases.


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CardStack automatically tracks the Hilton Honors American Express Surpass Card's $200 in statement credits and reminds you before each one resets, so you use every dollar you paid for. Website: https://cardstack.money - App Store: https://apps.apple.com/app/apple-store/id6759270863