Editorial image; product art from the issuer. Offers and eligibility are subject to application terms.The official page shows a $0 intro annual fee, then $150. The former 130k limited-time points offer has ended.
The application link on this page is the editor's personal referral link. If you apply through it and meet the issuer's terms, the referrer may receive a reward. Using the link does not raise your annual fee, change the application terms, or affect this review.
Highlights
$0 introductory annual fee, then $150.
Complimentary Hilton Honors Gold.
Up to $50 quarterly—$200 annually—on eligible direct Hilton-property purchases.
One Free Night Reward after $15,000 in calendar-year purchases.
Why Gold status matters
Hilton Gold is the card's most useful ongoing benefit, with bonus points and food-and-beverage or breakfast-related benefits at eligible brands, plus possible upgrades. Delivery varies by property, brand and stay.
Annual spending thresholds
- Spend $15,000 in a calendar year for a Free Night Reward.
- Spend $40,000 in a calendar year for Diamond through the following calendar year.
- National Emerald Club Executive status requires enrollment and follows National terms.
What to know before applying
- Confirm the intro fee and live welcome offer; the old 130k offer has ended.
- The $50 quarterly Hilton credit does not roll over and requires eligible direct property purchases.
- The $15,000 free-night threshold runs by calendar year.
- Amex may find you ineligible for the welcome offer based on prior history.
Drawbacks
- $150 after year one：Use Gold, quarterly credits or the free-night threshold to justify renewal.
- Quarterly credit needs planning：The $50 does not roll over and has purchase-location rules.
Frequently asked questions
What is the annual fee?
The official page currently shows $0 for the first year, then $150.
Does Surpass include Hilton Gold?
Yes, eligible primary cardmembers receive Hilton Honors Gold.
How do I earn the free night?
Spend $15,000 in a calendar year, subject to terms.
How does the Hilton credit work?
Eligible direct purchases at Hilton portfolio properties can receive up to $50 each quarter, up to $200 annually.
Summary
Surpass is strongest for travelers who stay with Hilton several times a year and use Gold status plus quarterly credits. The intro fee makes year one easy to test; reassess real usage before the second-year fee posts.
Confirm the final offer, fees and eligibility before submitting.