American Express · Updated June 2026
Hilton Honors Surpass Card Review (2026)
Hilton's mid-tier co-brand card with automatic Gold status, a path to Diamond via spend, and a quarterly Hilton statement credit.
Annual credits & benefits
Hilton Credit
Quarterly ($50/quarter)
Up to $50 in statement credits each quarter (up to $200 annually) on eligible purchases made directly with Hilton properties.
Tip: Charge dining, spa, or room folio purchases at a Hilton property each quarter — $50 per window, no rollover.
Is the $150 fee worth it?
Ideal for
- Hilton stays
- Gold status
- Quarterly Hilton credit
Not ideal for
- Infrequent travelers who rarely fly or stay at hotels
- Those who prefer cash back over travel rewards
- Budget-conscious consumers avoiding annual fees
How we rate & review credit cards
CreditMilesGuru's editorial team evaluates cards on annual-fee value, welcome bonus, ongoing earn rates, transfer-partner quality, travel protections, credits and perks, and the current competitive landscape. Our ratings are independent — we are not paid by issuers to rate cards favorably. This review was last updated June 2026.
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