Hilton Honors American Express Surpass Card

Hilton Honors American Express Surpass Card card art

American Express · Credit card · Travel, airline & hotel

4.0 Debt Sunset rating vs. other travel, airline & hotel cards

For Hilton guests: automatic Gold status and high point earning, with the fee waived the first year.

Rates, fees and offers

Regular APR
19.49%–28.49% variable
Annual fee
$150
Promo offers
$0 annual fee the first year, then $150.
Balance transfer fee
See Amex rates & fees
Rewards
12x Hilton points at Hilton hotels; 6x at U.S. restaurants, supermarkets and gas stations; 4x on U.S. online retail; 3x everything else. Hilton Gold status.

Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗

Notes

Hilton points are worth well under 1 cent each, so compare earning rates with that in mind.

Paying and contacting American Express

Customer service
1-800-528-4800 · 24/7
Pay by mail
American Express
P.O. Box 96001
Los Angeles, CA 90096-8000

Overnight: American Express, Attn: Express Mail Remittance Processing, 20500 Belshaw Ave, Carson, CA 90746

Always check this against the payment address on your own statement: issuers use different addresses by region and product, and a payment mailed to the wrong address can arrive late.

Billing disputes
American Express Customer Service
P.O. Box 981535
El Paso, TX 79998-1535

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