American Express · personal · american express
Hilton Honors Surpass
The Hilton sweet spot: automatic Gold status, a free-night reward after $15k spend, and $200 in annual Hilton credits that offset the $150 fee. Strong for regular Hilton guests.
Current public offer
130,000 Hilton Honors points after $3,000 spend in 6 months — as of 2026-07-01 · source
Fees & fine print
- Annual fee: $150 ($0 intro annual fee first year, then $150)
- Suggested credit: Good / Excellent (690+)
- No foreign transaction fee ✓
Earning
- 6x U.S. restaurants
- 12x Hilton hotels & resorts
- 6x U.S. supermarkets
- 6x U.S. gas; 4x U.S. online retail; 3x everything else
Informational only — not financial advice. Offers change; verify all terms with the issuer before applying.