American Express · American Express

Annual fee

$150 · $0 first year

Rewards

Hilton Honors

Earn rates

• 12x Hilton hotels and resorts — Hilton page, Surpass section: "12X Points" / "on purchases made directly with hotels or resorts within the Hilton portfolio". Rates doc: "You will receive 9 additional Hilton Honors Bonus Points, for a total of 12, for each dollar of eligible purchases charged directly with a property within the Hilton portfolio, including bookings and incidental charges."
• 6x U.S. restaurants, U.S. gas stations, U.S. supermarkets — Hilton page, Surpass section: "6X Points" / "at U.S. restaurants, U.S. gas stations, and U.S. supermarkets". Rates doc: "You will receive 3 additional Hilton Honors Bonus Points, for a total of 6, for each dollar of eligible purchases at the following categories of merchants excluding superstores and warehouse clubs: restaurants located in the U.S., supermarkets located in the U.S. and on gasoline at gas stations located in the U.S." No cap stated.
• 4x U.S. online retail — Hilton page, Surpass section: "4X Points" / "on U.S. online retail purchases". Rates doc: "You will receive 1 additional Hilton Honors Bonus Point, for a total of 4, for each dollar of eligible online retail purchases made on a website or a digital application (an app) from a U.S. retail merchant that sells physical goods or merchandise directly to consumers." No cap stated.

Foreign transaction fee

None

Purchase APR

19.49%–28.49% variable

Issuer rules

• You may not be eligible to receive a welcome offer if you have or have had this Card, the Hilton Honors Amex Ascend Card or previous versions of these Cards.
• You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors.
• Only qualified individuals 18 or over may apply for an Account. This offer is available to US Residents.
• Additional Card Members are not eligible to receive this offer.
• Welcome offer: earn 130,000 Hilton Honors Bonus Points after you spend $3,000 on eligible purchases in your first 6 months of Card Membership; offer ends 07/29/2026.

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