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Credit Needed
Excellent, Good

Hilton Honors™ Surpass® Card from American Express Review

Pros & Cons

  • 75,000 bonus points is a nice start to your earning. Spend just $3,000 in the first three months to earn the bonus.
  • Earn extra points for staying at participating hotels (12 points) as well as at U.S. gas stations, supermarkets and restaurants (six points). Earn three points per $1 for you other purchases.
  • Enjoy automatic Hilton Honors™ Gold status as a card member.
  • As with any branded card, honestly consider your loyalty. No matter how many points you earn, they aren't going to do you any good unless you're willing and able to use them. If you aren't sure, consider a more generic travel rewards card such as Discover it® Miles.
Terms and Limitations Apply

Top Features

Rewards
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. Terms and limitations apply.
Bonus Rewards
75,000 Hilton Honors(TM) Bonus Points after you spend $3,000 in purchases on the Card within your first 3 months of Card Membership.
Purchase APR
16.24%-20.24% Variable 
Annual Fee
$75

This card compared to other hotel cards

Card Name
Hilton Honors™ Surpass® Card from American Express
Rewards
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. Terms and limitations apply.
Get up to 5 Starpoints® for each dollar of eligible purchases at participating SPG® hotels - that's 2 Starpoints for which you may be eligible as a Card Member in addition to the 2 or 3 Starpoints for which you may be eligible as an SPG member. Terms Apply.
Earn 5 points per $1 spent when you stay at an IHG hotel. Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants.
Bonus Rewards
75,000 Hilton Honors(TM) Bonus Points after you spend $3,000 in purchases on the Card within your first 3 months of Card Membership.
25,000 Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
Earn 60,000 bonus points after spending $1,000 on purchases within the first three months of account opening
Purchase APR
16.24%-20.24% Variable 
16.24%-20.24% Variable 
16.99% - 23.99% Variable 
Annual fees
$75
$0 introductory annual fee for the first year, then $95.
$0 intro for the first year, then $49
CardRatings.com Editorial Staff

Hilton Honors™ Surpass® Card from American Express details

Balance Transfer Intro APR:
N/A
Balance Transfer Intro Period:
APR:
N/A
Balance Transfer Fee:
Either $5 or 3% of the amount of each transfer, whichever is greater.
Annual Fee:
$75

What American Express says about this card

  • Earn 75,000 Hilton Honors(TM) Bonus Points after you spend $3,000 in purchases on the Card within your first 3 months of Card Membership.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • As a Hilton Honors(TM) Surpass(R) Card Member, you'll receive Hilton Honors(TM) Gold status.
  • Planning a road trip? Rent your car, fill up your tank, book your hotel, and pay for it with your American Express(R) Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • Terms Apply.

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Apply online for Starwood Preferred Guest® Credit Card from American Express

Starwood Preferred Guest® Credit Card from American Express

  • Earn 25,000 Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases spent at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases.
  • No Foreign Transaction Fees on International purchases.
  • Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates.
  • $0 introductory annual fee for the first year, then $95.
  • Planning a road trip? Rent your car, fill up your tank, book your hotel, and pay for it with your American Express® Card.
  • Terms Apply.
Terms and Limitations Apply
Credit Needed:
Excellent, Good
Apply online for IHG® Rewards Club Select Credit Card

IHG® Rewards Club Select Credit Card

  • Earn 60,000 bonus points after spending $1,000 on purchases within the first three months of account opening
  • Enjoy a Free Night after each account anniversary year at over 5,000 hotels worldwide
  • Earn 5 points per $1 spent when you stay at an IHG hotel
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants
  • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental® Hotels & Resorts, Crowne Plaza® Hotels & Resorts and Holiday Inn®
  • Platinum Elite status as long as you're a Select credit cardmember
  • Automatic 10% points rebate on redemptions
  • $0 Introductory Annual Fee for the first year, then $49 a year
Credit Needed:
Excellent/Good