Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
The Hilton Honors American Express Surpass® Card offers up to 180,000 Hilton Honors bonus points. Earn 130,000 points when you spend $2,000 within 3 months of account opening. Then earn an additional 50,000 points after you spend $10,000 within the first 6 months of account opening. The value of these points will vary greatly on how you decide to redeem them, but a good guideline is right around $1,080 for Hilton hotel redemptions for the combined 180k points.
The card has an annual fee of $95 (See Rates & Fees, Terms Apply) for the first year.
- Hilton Honors American Express Card – the basic version for those who just occasionally stay at Hilton properties and want to earn rewards.
- Hilton Honors American Express Surpass Card
- Hilton Honors American Express Aspire Card – a good choice for those who will take advantage of all the premium perks and credits.
- The Hilton Honors American Express Business Card – the option for business owners, with benefits most equivalent to the Surpass Card.
Here’s the bottom line, I recommend this card for those who plan on staying at a hotel within the Hilton Portfolio around 20-25 nights during a calendar year. Staying fewer than this range, you’re better off with the regular Hilton Honors American Express Card with no annual fee. Staying more than this range, you may want to opt for the premium benefits available with the Hilton Honors American Express Aspire Card, where the annual fee is nearly 5 times that of the Surpass Card.
Hilton Honors Surpass Card Up To 180,000 Bonus Points
The current offer is for up to 180,000 Hilton Honors Bonus Points, which I value right around $1,080. To qualify, you’ll need to spend $2,000 in purchases within the first 3 months of Card Membership for the first 130,000 points and $10,000 within the first 6 months for an additional 50,000 points.
Here are some ideas on meeting the requirement outside of regular everyday spending.
Redeeming Your Points
If you’ve decided on the Hilton Honors American Express Surpass Card, you’ll want to make the most of it by redeeming for hotel stays. The alternative options such as merchandise redemption or points transfer to airlines miles programs (over 40 partners) will net you much less in value.
You’ll have the convenience of choosing to redeem for a hotel stay using only Hilton Honors points, or you can choose a combination of cash and points when redeeming.
You’ll have plenty of options earning and redeeming points within the Hilton Portfolio of hotels.
What’s The Competition?
|OFFER LINK||OFFER||OUR REVIEW|
|Chase Business Complete Banking℠||$300 Cash||Review|
|Chase Total Checking®||$225 Cash||Review|
|Chase Secure Banking℠||$100 Cash||Review|
|TD Bank Beyond Checking||$300 Cash||Review|
|TD Bank Convenience Checking℠||$150 Cash||Review|
|HSBC Premier Checking||$450 Cash||Review|
|Axos Business Checking||$100 Cash||Review|
|Aspiration Checking||$150/$200 Cash||Review|
|Ally Invest||Up To $3,000||Review|
|Betterment||Up To 1 Year Free||Review|
|BlockFi||Up To $250 BTC||Review|
|Voyager (code BH5F1A)||$25 In BTC||Review|
|Coinbase||$10 In BTC||Review|
|Motley Fool||Stock Advisor Discount||Review|