American Express Hilton Honors Surpass Card
$150
Annual fee
$200
Credits a year
1
Credits tracked
$150 a year. 1 credit worth $200. If you use them all, that is $50 more than the fee.
Machine-checked · current as of 26 Sep 2026, 05:30 UTC from americanexpress.com · reading: medium
| Credit | Amount | Resets | Per year |
|---|---|---|---|
| Hilton Credit | $50 | every quarteron the calendar year | $200 |
Other perks
| Perk | Details |
|---|---|
| Baggage Insurance Plan | Can provide coverage for lost, damaged or stolen baggage when traveling on a common carrier vehicle when the entire fare has been charged to the eligible card. Coverage limits apply. |
| Global Assist Hotline | 24/7 coordination and assistance services when traveling more than 100 miles from home; card members are responsible for costs charged by third-party service providers. |
| Extended Warranty | Can extend the original manufacturer's warranty for up to one extra year for covered purchases made on the eligible card. |
| Hilton Honors Gold Status | Complimentary Hilton Honors Gold status with the card, including an 80% Bonus on Base Points on every stay and space-available room upgrades at select properties. |
| Send & Splitsign up first | Send money and split purchases with any Venmo or PayPal user directly from the Amex App. Enrollment required. |
| National Emerald Club Executive Statussign up first | Complimentary National Car Rental Emerald Club Executive status when enrolling through the American Express online account using the card. |
| No Foreign Transaction Fees | No foreign transaction fees from American Express when using the card. |
| Dine with Resy | Discover restaurants in Resy's curated restaurant guides and book a table through the Resy app or resy.com. |
| Amex Special Ticket Access | Access to Amex Presale Tickets and Amex Reserved Tickets to select can't-miss events across sports, music, and more, while supplies last. |
| Purchase Protection | Embedded benefit requiring no enrollment; can protect covered purchases against accidental damage or theft for up to 90 days from the covered purchase date. Coverage limits apply. |
| Car Rental Loss and Damage Insurance | Secondary coverage for damage to or theft of a rental vehicle in a covered territory when the eligible card is used to reserve and pay for the entire rental and the CDW is declined. Not available for vehicles rented in Australia, Italy, and New Zealand. |
Track these instead of remembering them
Unspent counts down every credit on this card and tells you before one resets. Free, no bank connection, and no card number — a nickname and your renewal date is the whole form.
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