CardflareHilton Honors Surpass
American Express
Key facts
- Annual fee$150
- RewardsPoints
- Everything else earns3x points
- Minimum credit score670
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Travel (hotel) — booked direct | 12x points | No cap stated |
| Dining | 6x points | No cap stated |
| Groceries | 6x points | No cap stated |
| Gas | 6x points | No cap stated |
| Online shopping | 4x points | No cap stated |
| Everything else | 3x points | No cap stated |
Signup bonus
130,000 points after $3,000 of spend in the first 6 months.
Offer expires 2027-01-13.
Credits and benefits
The credits the catalog models as fee offsets. Not a complete list of every perk.
- $50 a quarter at Hilton portfolio properties — Up to $50 per quarter ($200 per year) on purchases made directly with a Hilton property
Terms as of 2026-09-10. Hand-curated approximate terms; verify with the issuer before applying. Annual credits are rough fee offsets, not a calendar of every perk or lounge access. Cardflare is not affiliated with American Express; the card name is its owner's trademark.