Credit card

Hilton Honors American Express Surpass® Card

American Express

Card art is illustrative — not an official product image.

$650estimated net value after fees

130,000 Hilton points + Free Night after $3,000 spend in 6 months

130,000 × $0.005 Hilton + ~$150 free-night estimate

Min. requirement
$3,000 spend
Window
180 days
Annual fee
$150
Monthly fee
$0
Availability
All states
Offer expiry
Not published / rolling
Last verified
2026-11-05
Est. bonus value
$800
Community pick

Notes

Issuer URL may route to Hilton Amex family—confirm Surpass page. Mid-tier Hilton card popular for free night + automatic gold-ish benefits. Hilton points are low CPP so forums treat this as hotel-night value, not cash.

How the net was calculated

Estimated bonus value $800 minus first-year fee impact $150. For personalized “as high as” offers, this uses a typical public tier — not the ceiling. See the methodology.

Affiliate link: none yet — linking to the issuer’s public page.