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American Express · American Express · PERSONAL

Hilton Honors Surpass

12 tracked perks. Here's everything this card actually offers — structured and kept current.

12
Perks tracked
$299
Est. value / yr
$95
Annual fee
American Express
Hilton Honors Surpass
$95/yrAMEX

Travel

8

Free Weekend Night Reward

$150

Cardholders earn a free weekend night certificate after spending $15,000 on eligible purchases in a calendar year, redeemable at most Hilton properties.

Travel statement credits

Priority Pass Select Lounge Access

$99

Cardholders receive complimentary Priority Pass Select membership, granting access to Priority Pass airport lounges worldwide. A limited number of free visits per year may apply.

Airport lounge accessenrollment required

Baggage Insurance Plan

Coverage is provided for lost, damaged, or stolen baggage when the eligible ticket is charged to the card. Limits apply for checked versus carry-on baggage.

Travel insurance & protection

Car Rental Loss and Damage Insurance

When the full cost of a rental car is charged to the card and other eligible insurance is declined, cardholders receive secondary coverage for damage to or theft of the rental vehicle.

Travel insurance & protection

Hilton Honors Diamond Status Path

Cardholders can upgrade to Hilton Honors Diamond status by spending $40,000 or more on the card in a calendar year.

Travel statement credits

Hilton Honors Gold Status

Cardholders automatically receive Hilton Honors Gold elite status as long as they hold the card, providing room upgrades, free breakfast or bonus points at eligible properties, and 80% bonus points on stays.

Travel statement credits

Amex Offers

Network-wide rotating statement-credit and bonus offers from travel, dining and retail partners.

Travel statement credits

Global Assist Hotline

24/7 emergency coordination for medical, legal, financial or travel help when 100+ miles from home.

Travel insurance & protection

Shopping & Purchases

2

Extended Warranty

The card extends the original manufacturer's warranty on eligible purchases by up to one additional year for warranties of five years or less.

Extended warranty

Purchase Protection

Eligible purchases made with the card are protected against accidental damage or theft for a limited period from the purchase date, up to a per-item and annual cap.

Purchase protection

Everyday & Lifestyle Credits

1

Hilton Resort Credit

$50

Cardholders receive an annual statement credit for eligible purchases made directly at Hilton Resorts. The credit resets each calendar year.

Dining credits

Card Terms & Fees

1

$95 Annual Fee

$95 Annual Fee

Annual fee

Coverage limits, reset cadence, eligibility & sources

The full structured detail behind every perk — deductibles, coverage caps, reset windows, enrollment rules, confidence scores and the source citation — is available through the API.

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