American Express Hilton Honors vs American Express Hilton Honors Surpass: which fits your plan?
By ApplyOrWait. Compiled from issuer terms and our audited issuer-rule list. Offers checked ; issuer rules verified . Terms apply.
American Express Hilton Honors Surpass has higher estimated first-year value after fees ($780) than American Express Hilton Honors ($420), using travel redemption. American Express Hilton Honors has the lower annual fee at $0, compared with $150 for American Express Hilton Honors Surpass. Reported by applicants: American Express Hilton Honors and American Express Hilton Honors Surpass share American Express's application timing rules, but no directional rule establishes a preferred order; space applications using your recent issuer history.
We compare conditional value after fees; compensation never changes rankings.
How we rank| Feature | American Express Hilton Honors | American Express Hilton Honors Surpass |
|---|---|---|
| Issuer | American Express | American Express |
| Annual fee | $0 | $150 |
| Welcome offer, terms apply | 70,000 Hilton Honors points + 1 award-night certificate | 130,000 Hilton Honors points + 1 award-night certificate |
| Required spend | $2,000 in 6 months | $3,000 in 6 months |
| First-year value after fees, estimated (travel) | $420 | $780 |
| Offer last checked | 2026-10-06 | 2026-10-06 |
Can you get both American Express Hilton Honors and American Express Hilton Honors Surpass, and in what order?
Application windows and account limits
American Express Hilton Honors and American Express Hilton Honors Surpass: Applicants report a usual five-day gap between Amex lending-card approvals. This is an observed limit, not a published guarantee. Amex usually allows no more than two lending-card approvals in 90 days. Reported exceptions do not guarantee approval. Amex usually limits applicants to five lending cards in total, including business cards. Exceptions have been reported.
Welcome offers and prior-card history
American Express Hilton Honors: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.
American Express Hilton Honors Surpass: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.
American Express Hilton Honors: Other Hilton cards do not automatically disqualify you from this Hilton Honors offer; prior ownership of this card may.
Effect on Chase 5/24
American Express Hilton Honors is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
American Express Hilton Honors Surpass is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Application order
Reported by applicants: American Express Hilton Honors and American Express Hilton Honors Surpass share American Express's application timing rules, but no directional rule establishes a preferred order; space applications using your recent issuer history.
American Express Hilton Honors and American Express Hilton Honors Surpass: current offers
American Express Hilton Honors
Welcome offer: 70,000 Hilton Honors points + 1 award-night certificate. Annual fee: $0. Terms apply.
First-year value after fees (travel redemption), estimated: $420.
Last checked: .
American Express Hilton Honors Surpass
Welcome offer: 130,000 Hilton Honors points + 1 award-night certificate. Annual fee: $150. Terms apply.
First-year value after fees (travel redemption), estimated: $780.
Last checked: .
Can I get both the American Express Hilton Honors and the American Express Hilton Honors Surpass welcome offers?
American Express Hilton Honors and American Express Hilton Honors Surpass have product-specific welcome-offer checks for previous cards or bonuses. Passing an application timing check does not establish welcome-offer eligibility.
Which should come first: American Express Hilton Honors or American Express Hilton Honors Surpass?
No directional offer rule gives American Express Hilton Honors and American Express Hilton Honors Surpass a preferred order. Start with your recent American Express applications and each product's current terms.
How would American Express Hilton Honors and American Express Hilton Honors Surpass affect my Chase count?
Opening American Express Hilton Honors or American Express Hilton Honors Surpass increases the personal-account count used for Chase's reported 5/24 rule for 24 months. Closing a recent account does not remove that account from the count.