Our illustration, not the card’s design
American Express credit card
Hilton Honors American Express Surpass® Card
$150 a year. Purchase APR 19.74–28.74%, variable. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Cardmember agreement · Filed with the CFPB · PDF
“Annual Fee $150”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Cardmember agreement · Filed with the CFPB · PDF
“(APR) for Purchases Prime Rate + 12.74% to Prime Rate + 21.74%”
- Prime rate, in effect since Sep 17, 2026
- 7.00%
- Card margin
- +12.74–21.74%
- APR today
- 19.74–28.74%
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Cardmember agreement · Filed with the CFPB · PDF
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $270 | $120 | |
| Typical spender | $650 | $500 | |
| Heavy spender | $1,475 | $1,325 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: points valued at an assumed 0.5¢.
$120a year
$270 the first year, with the welcome bonus.
Rewards and credits$270
You keep $120−$150 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 0.5¢.
$500a year
$650 the first year, with the welcome bonus.
Rewards and credits$650
You keep $500−$150 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 0.5¢.
$1,325a year
$1,475 the first year, with the welcome bonus.
Rewards and credits$1,475
You keep $1,325−$150 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 0.5¢.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 95% of the 732 cards we track.
Other points cards with fees up to $300
- WealthRegions · $125 a year+$125 a year
- Business Essentials PlusUS Bank · $295 a year−$85 a year
- Air Canada AeroplanChase · $195 a year−$225 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Hilton Honors
How you earn
- 12×
- eligible purchases charged directly with a property within the Hilton portfolio (9 additional Points, a total of 12)
- 6×
- restaurants located in the U.S. (3 additional Points, a total of 6)supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets) (3 additional Points, a total of 6)gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations) (3 additional Points, a total of 6)
- 4×
- U.S. online retail purchases (1 additional Point, a total of 4); purchases at restaurants, supermarkets, gasoline stations or automotive dealers, and purchases of travel, entertainment or other services are not considered retail purchases
- 3×
- Everything else
Points per dollar. “What it’s worth” values a point at an assumed 0.5¢.
Benefits
- $200 Hilton Credit: $50 quarterly
- Executive lounge access at select properties with Hilton Honors Diamond status
- Hilton Honors Gold status (complimentary)
- National Car Rental Emerald Club Executive status (complimentary, enrollment required; includes Executive Area Access for full-size reservations and above in the USA and Canada)
- Hilton Honors Diamond status upgrade after $40,000 in eligible purchases on the Card in a calendar year, through the end of the following calendar year
All 16 benefits
- Free Night Reward from Hilton Honors after $15,000 in eligible purchases on the Card in a calendar year
- Hilton Honors Gold benefits: 80% Points earning bonus on stays, daily food and beverage credit or complimentary continental breakfast (varies by brand and region), space-available room upgrades at select properties, and 5th night free on standard room stays of 5+ nights booked with 100% Points
- Hilton Honors Diamond benefits (after $40,000 spend): 100% Bonus on all Base Points on stays, premium Wi-Fi at select properties, daily food and beverage credit at select U.S. brands, complimentary continental breakfast at select brands outside the U.S., space-available room upgrades and executive lounge access at select properties
- No foreign transaction fees
- 10% back on qualifying concessions purchases at enrolled stadiums and arenas, up to $250 per calendar year (enrollment required; one enrolled Card per eligible Card Member)
- Amex Presale Tickets and Amex Reserved Tickets access to select events, plus additional perks at select events (while supplies last)
- Rental car
- Emergency assistance
- Baggage: Up to $1,250 for carry-on Baggage and up to $500 for checked Baggage; for New York State residents, $10,000 aggregate maximum for all Covered Persons per Covered Trip
- Purchase protection: Up to $1,000 per Covered Purchase, up to $50,000 per calendar year
- Extended warranty: Coverage limited to the actual amount charged on the Card for the item, up to $10,000 per item and $50,000 per calendar year
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “Annual Fee $150” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “(APR) for Purchases Prime Rate + 12.74% to Prime Rate + 21.74%”
|
| Cash advance APR | Receipt · Cash advance APRChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “APR for Cash Advances Prime Rate + 21.99%”
|
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “Either $10 or 5% of the amount of each cash advance, whichever is greater.” |
| Penalty APR | Receipt · Penalty APRChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “Prime Rate + 26.74%”
|
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “Late Payment: Up to $40.” |
| Returned payment | Receipt · Returned paymentChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “Returned Payment: Up to $40.” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF The source states this figure; we have no exact sentence on file yet. |
| Grace period | Receipt · Grace periodChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “Paying Interest Your Due Date is at least 25 days after the close of each billing period.” |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- $150 · Filed with the CFPB · PDF, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. · Filed with the CFPB · PDF, since Sep 29, 2026
- What is the purchase APR?
- 19.74–28.74% APR · Filed with the CFPB · PDF, since Sep 29, 2026