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Hilton Honors Amex Surpass Card: Limited-Time Offer with 130K Points and Free Night

Guavy AI Editorial Team Published September 26, 2026

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The Hilton Honors American Express Surpass Card is a mid-range personal co-branded credit card that offers perks to help offset its annual fee of $150. The card has an elevated limited-time welcome offer, making it an ideal time to apply.

Cardholders earn 12x points at Hilton hotels, 6x points in select categories, and 4x points on U.S. online retail purchases. They also receive up to $200 in Hilton credits annually and Hilton Gold elite status for being a cardmember.

The welcome offer includes 130,000 Hilton Honors bonus points plus a free night award after spending $3,000 within the first six months of card membership. This is an incredible offer, with a potential value of up to $650 based on the current valuation of Hilton Honors points.

The card also offers no foreign transaction fees, making it suitable for purchases abroad.

Hilton Honors Amex Surpass Card: Limited-Time Offer with 130K Points and Free Night

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