AmEx Hilton Surpass Credit score Card Assessment (2026.2 Replace: 130k+1FN Supply)

2026.2 Replace: The brand new provide is 130k+1FN. Supply ends on 2026/04/15.

2025.10 Replace: The brand new provide is 155k. Supply ends on 2026/01/14. [Expired]

2025.2 Replace: The brand new provide is 130k+1FN. Supply ends on 2025/04/29. [Expired]

Utility Hyperlink

Advantages

1. 130k+1FN provide: earn 130,000 Honors Factors and 1 free night time (no cap) after spending $3,000 in first 6 months. The latest greatest provide is 150k+$150 or 150k+50k.
2. We worth Hilton Honors Factors at 0.4 cents/level (Hotel Points Value), click on here to see what number of factors are required for a free night time. So the 155k welcome provide is price about $620.
3. Earn 12 Hilton Honors factors per $1 spent on lodge stays inside Hilton Portfolio; 6 factors on US eating places, US supermarkets, and US gasoline stations; 4 factors on U.S. On-line Retail Purchases; 3 factors on different purchases.
4. Complimentary Hilton Gold status for cardholder. Improve to Hilton Diamond status whenever you make $40,000 or extra in purchases every calendar yr.
5. One Free Night time (FN) Reward at a lodge or resort within the Hilton portfolio after spending $15,000 in purchases on the cardboard in a calendar yr.
6. [New] $200 Hilton credit score: stand up to $50 in assertion credit every quarter for purchases made instantly with a property within the Hilton portfolio on this card. That’s as much as $200 in assertion credit yearly. Notice that not like the Hilton “resort” credit score on the Aspire card, this Hilton credit score covers all Hilton stays.
7. 10 free Precedence Move Choose (PPS) lounge passes every year. You need to use them both on card holder or visitors. [Update] This profit is not accessible after 2023/10/19.
8. With this bank card, you will get entry to Amex Offers, which frequently affords superb reductions at some shops. Up to now now we have seen affords like: Spend $15 or extra and get $5 again at Walmart; Spend $75 or extra and get $25 again on Amazon.com.
9. Refer a friend: You’ll be able to earn 20,000 bonus Hilton factors for each authorized account you refer, as much as 80,000 Hilton Factors per calendar yr.
10. No overseas transaction price.

Disadvantages

1. [New] $150 annual price, NOT waived for the primary yr. ($95 annual price earlier than 2023/10/19.)

Really useful Utility Time

1. Notice that AmEx has the next coverage: For those who presently or have beforehand held a selected AmEx bank card, you’ll not be eligible for the welcome bonus provide. So if you wish to squeeze out the best rewards from bank cards, it is best to apply for the welcome provide first, after which take the improve provide, after which presumably go on upgrading/downgrading.
2. You’ll be able to solely get the welcome bonus as soon as in a lifetime, so remember to apply when the historic highest provide seems.
3. AmEx doesn’t care concerning the variety of exhausting pulls.
4. You’ll be able to attempt to apply for it when you’ve got a credit score historical past of 6 months.
5. Solely 2 AmEx bank cards could be authorized inside 90 days, however this rule doesn’t apply to cost playing cards. A number of playing cards authorized in the identical day will solely have one Laborious Pull.
6. You’ll be able to preserve at most 5 AmEx bank cards, however this rule doesn’t apply to cost playing cards.

Abstract

The welcome provide could be very good, so it’s price making use of for. In case you have quite a lot of spending, it may be a sensible choice to spend $15k on this card. You already get 3x Hilton factors on each spending, which is price ~1.2% in return. Plus you’ll earn a free night time, which could be price about $250, that’s a further ~1.7% in return. The overall return is then ~2.9%.

Associated Credit score Playing cards

Really useful Downgrade Choices

After Making use of

• Click on here to examine AmEx utility standing.
• AmEx reconsideration backdoor quantity: 877-399-3083. The “actual” backdoor variety of Amex is properly protected. Completely different from Chase, the representatives from this AmEx reconsideration backdoor quantity solely have the appropriate that can assist you submit requests.

Historic Presents Chart

Notice: in 2019 there was a 130k+1FN welcome provide. The FN half is just not proven within the chart. The latter a part of 150k+50k provide can also be not proven, as a result of the spending requirement is simply too excessive.

Utility Hyperlink

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