Editorial image; product art from the issuer. Offers and eligibility are subject to application terms.Surpass is a straightforward mid-tier Hilton card: automatic Gold status, quarterly Hilton credits and a Free Night Reward after $15,000 in annual spend. The official page currently shows a $0 intro annual fee, then $150.
The official page shows a $0 intro annual fee, then $150. The former 130k limited-time points offer has ended.
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.