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AmexMainstream
•••• •••• •••• 7699

Hilton Honors American Express Surpass

AMEX

Amex・No.052

A mid-tier Hilton card handing you Gold status and strong point earning across Hilton stays and dining.

✓ Fees checked · 2026-07-16 · americanexpress.com
130,000 points (spend $3,000 in 6 months)

✓ Annual fee, APR and foreign-transaction fee checked on 2026-07-16 (source: americanexpress.com). Welcome offers, rewards and benefits change often; the issuer's site has the current terms.

Reward highlights

Who it's for

Best for Hilton loyalists who want Gold status and a path to a free night.

Good for

Key benefits

Rates & fees

APR and fees as published by the issuer. Variable APRs move with the prime rate, so check the issuer's site before applying.

Frequently asked questions

Does the Hilton Honors Surpass Amex have an annual fee?

$150 a year, charged starting the first year. There's currently no first-year fee waiver.

Is the annual fee worth it?

Yes, for Hilton loyalists the Gold status and strong point earning usually justify the fee.

Does it charge foreign transaction fees?

No foreign transaction fees.

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