Compare Cards: Hilton Honors American Express Surpass Card vs. Hilton Honors American Express Card vs. Hilton Honors American Express Aspire Card

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Earning Rates	Hilton Honors American Express Surpass Card American Express hotelpremiumno-foreign-transaction-fee Details	Hilton Honors American Express Card American Express hotelno-annual-feeno-foreign-transaction-fee Details	Hilton Honors American Express Aspire Card American Express lounge-accesspremiumhotelairline Details
First-year value Welcome offer + annual credits − annual fee	+$700	+$350	+$1,259
Annual Fee	$150	Waived	$550
Credit Required	Good	Good	Excellent
Foreign Fee	Waived	Waived	Waived
Welcome Offer	130,000 pts Limited-time offer: Earn a Free Night Reward + 130,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases on your Card in the first 6 months of Card Membership. Offer ends 1/13/2027. Spend $3,000 in 6 mo	70,000 pts Limited-time offer: Earn a Free Night Reward + 70,000 Hilton Honors Bonus Points after you spend $2,000 in eligible purchases on your Card in the first 6 months of Card Membership. Offer ends 1/13/2027. Spend $2,000 in 6 mo	200,000 pts Limited-time offer: Earn 200,000 Hilton Honors Bonus Points after you spend $6,000 in eligible purchases on your Card in the first 6 months of Card Membership. Offer ends 1/13/2027. Spend $6,000 in 6 mo
Network	amex	amex	amex
Earning Rates
Car rentals	—	—	7× On car rentals booked directly from select car rental companies
Dining	—	3×	—
Flights	—	—	7× On flights booked directly with airlines or through Amex Travel
Gas	—	3×	—
Gas Stations	6× Earn 6X at U	—	—
Groceries	—	3×	—
Hilton Hotels	12× Earn 12X points at Hilton properties	—	—
Hilton purchases	—	—	14× On eligible purchases made directly with hotels and resorts within the Hilton portfolio
Hotels	—	7× At Hilton properties	—
Other	3× Earn 3X on all other purchases	1×	3× All other eligible purchases
Restaurants	6× Earn 6X at U	—	—
Supermarkets	6× Earn 6X at U	—	—
U.S. restaurants	—	—	7× At U
Benefits & Credits	Annual Credits Hilton Quarterly Statement Credit - Up to $50/quarter on Hilton property purchases ($200/year total) Hotel Status Hilton HonorsGold Elite	Hotel Status Hilton HonorsGold	Annual Credits Hilton Resort Credit - $200/half ($400/year) on eligible Hilton Resort purchases (room + incidentals) Flight Credit - $50/quarter ($200/year) on flight purchases via airline direct or Amex Travel CLEAR Plus Credit - Up to $209/year statement credit for CLEAR Plus membership (auto-renewal required) Hilton Annual Free Night RewardFNA - Annual Free Night Reward from Hilton Honors in the first year of Card Membership and every year upon Card renewal Hotel Status Hilton HonorsDiamond Elite Lounge Access 0 1 Other Benefits Fine Hotels + Resorts: Elite benefits at select hotels The Hotel Collection: Extra benefits at select hotels Additional Free Night Rewards with Spend: Earn an additional Free Night Reward after spending $30,000 in purchases in a calendar year, and another after spending $60,000 in purchases in the same calendar year; terms apply
Insurance	Trip Delay Secondary Purchase Protection Extended Warranty		Trip Delay Secondary Purchase Protection Extended Warranty