American Express Gold vs Hilton Honors Surpass

Compare Rewards, Interest Rates, Fees, and Benefits

American Express Gold is a good rewards card for cardholders who fly frequently or eat out. How does it compare to Hilton Honors Surpass from American Express, a hotel card? Read our comparison chart below.

Keep in mind, the American Express Gold has a $325 annual fee, while the Hilton Honors Surpass has a $150 annual fee (annual fee waived for first year).

	American Express® Gold Card	Hilton Honors American Express Surpass® Card
	Credit Card Interest Rates & Fees
Purchase APR	N/A	20.24% to 29.24% Variable based on your creditworthiness and other factors
Balance Transfers APR	N/A	N/A
Foreign Transaction Fee	No foreign transaction fee	No foreign transaction fee
Annual Fee	$325 annual fee	$150 annual fee, annual fee waived for first year
	Credit Card Rewards & Benefits
Introductory Bonus Hotel Rewards		Earn 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer Ends 4/29/2025.
Introductory Bonus Offer	Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Airline Rewards	Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Bonus Hotel Rewards		Earn a Free Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
Hotel Rewards		Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Earn 4X Points for each dollar on U.S. Online Retail Purchases. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Point Rewards	Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Hotel Status		Enjoy complimentary Gold status with your Hilton Honors Surpass Card. Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors™ Diamond status through the end of the next calendar year.
Gas Rewards		Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. gas stations.
Grocery Rewards	Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.	Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. supermarkets.
Dining Rewards	Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.	Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants.
Airline Transfer Partners	Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.
	CreditDonkey® Credit Card Reviews
Pros & Cons	Pros: Welcome bonus 3X points on flights booked directly with airlines or on AmexTravel.com Cons: $325 annual fee
Bottom Line	Good rewards card for cardholders who fly frequently or eat out... Read full review
	Read American Express Gold Review
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details. Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express. Disclaimer: The information for the American Express® Gold Card and Hilton Honors American Express Surpass® Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer. American Express Gold: Pricing information including interest rates, benefits and fees was obtained on December 19, 2024 from published websites and is believed to be accurate, but not guaranteed. Hilton Honors Surpass: Pricing information including interest rates, benefits and fees was obtained on June 14, 2025 from published websites and is believed to be accurate, but not guaranteed.