American Express National BankNationwide

Hilton Honors American Express Surpass® Card

$150/yr

Purchase APR: 19.49%–29.24% APR
Foreign transaction fee: None
Intro APR: —
Targeted credit: Excellent (720+)

Rewards rates

🏨12x Hotels(Hilton Honors)12x on purchases directly with Hilton portfolio hotels & resorts
🍽️6x Dining & restaurants(Hilton Honors)6x at U.S. restaurants
🛒6x Groceries & supermarkets(Hilton Honors)6x at U.S. supermarkets
⛽6x Gas & EV charging(Hilton Honors)6x at U.S. gas stations
💳3x All purchases(Hilton Honors)3x on other eligible purchases

Statement credits

🏨$50 / quarterUp to $50 per quarter in statement credits for direct Hilton portfolio purchases, up to $200/year.

APR & fees: CFPB Terms of Credit Card Plans survey (as of 2025-12-31). Rewards: issuer public pages (collected 2026-08-31) — every figure above appears verbatim in the source; terms shown may lag issuer changes.

Informational comparison only — not financial advice and not an offer of credit. We don't check your credit or guarantee approval. Confirm current terms with the issuer at www.americanexpress.com.