Hilton Surpass Card: 130,000 Points + $0 First-Year Annual Fee
- The Hilton Honors American Express Surpass® Card is a strong offer for anyone who stays at Hilton hotels or wants to earn hotel points from everyday spending.
Right now, you can earn 130,000 Hilton Honors Bonus Points after spending $3,000 in purchases within your first 6 months of Card Membership.
The card also has a $0 introductory annual fee for the first year, then $150 per year after that.
Offer ends 7/29/26.
Quick Card Snapshot
| Benefit | Value | Details |
|---|---|---|
| Welcome Bonus | 130,000 Points | After spending $3,000 in 6 months |
| Annual Fee | $0 first year | Then $150 per year |
| Hilton Credits | Up to $200/year | Up to $50 per quarter at Hilton properties |
| Hotel Status | Gold Status | Complimentary Hilton Honors Gold status |
| Free Night Reward | Available | After $15,000 in yearly spend |
Why This Card Is Worth Considering
The biggest reason this offer is attractive is simple: you can earn a large Hilton bonus while paying $0 annual fee in the first year.
That gives you a low-risk way to try the card, use the benefits, and decide later if it is worth keeping.
For Hilton guests, the card can be especially valuable because the up to $200 yearly Hilton credit can help offset the $150 annual fee after the first year.
Main Benefits
🏨 Welcome Bonus: Earn 130,000 Hilton Honors Bonus Points after spending $3,000 in purchases within your first 6 months.
💳 Annual Fee: $0 introductory annual fee for the first year, then $150 per year.
💰 Hilton Credits: Get up to $50 in statement credits each quarter for purchases made directly with Hilton properties, up to $200 per year.
🥇 Hilton Gold Status: Enjoy complimentary Hilton Honors Gold status, which can make Hilton stays more rewarding.
🌙 Free Night Reward: Earn a Free Night Reward after spending $15,000 in eligible purchases in a calendar year.
🍽️ Everyday Earning: Earn 6X points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
🛒 Online Shopping: Earn 4X points on U.S. online retail purchases.
🏨 Hilton Purchases: Earn 12X points on eligible purchases directly with Hilton hotels and resorts.
🌍 No Foreign Transaction Fees: Use the card internationally without foreign transaction fees.
🚗 Car Rental Status: Enroll for complimentary National Car Rental® Emerald Club Executive® status. Terms apply.
Points Earning Chart
| Category | Earn Rate |
|---|---|
| Hilton hotels and resorts | 12X |
| U.S. restaurants | 6X |
| U.S. supermarkets | 6X |
| U.S. gas stations | 6X |
| U.S. online retail purchases | 4X |
| Other eligible purchases | 3X |
Who Should Apply?
This card may be a good fit if you:
- Stay at Hilton at least sometimes
- Can spend $3,000 in 6 months
- Want a large Hilton points bonus
- Like the idea of hotel status
- Can use the Hilton quarterly credits
- Want a travel card with no first-year annual fee
SimplexDeals Takeaway
The Hilton Surpass Card is worth considering because it gives you a big welcome bonus, Hilton Gold status, useful hotel credits, and $0 annual fee in the first year.
After the first year, the card costs $150, but the Hilton credits can be worth up to $200 per year if you use them.
That makes this a strong offer for Hilton travelers.
Offer ends 7/29/26.
