American Express Platinum vs Hilton Honors Surpass
American Express Platinum is an excellent card for frequent travelers. 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 Platinum has a
The Platinum Card® from American Express | 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 | ||
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 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. | |
| Travel Rewards | Travel Rewards | |
| Airline Rewards | Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. | |
| 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 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. | 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 | 1 point for virtually every dollar spent. | |
| Airline Status | $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®. Enrollment required Complimentary access to 5 airport lounge networks including The Centurion® lounge network, The International American Express lounges, Delta Sky Club® lounges, Priority Pass™ Select, and Airspace Lounge. Enrollment required for Priority Pass Select. | |
| Hotel Status | $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay. Enroll for complimentary Marriott Bonvoy Gold Elite Status. Enroll for complimentary Hilton Honors Gold 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 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. supermarkets. | |
| Dining Rewards | 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:
| |
| Bottom Line | Excellent card for frequent travelers... | |
| Read American Express Platinum 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 The Platinum Card® from American Express 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 Platinum: 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 May 2, 2025 from published websites and is believed to be accurate, but not guaranteed. | ||
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Compare American Express Platinum to:
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For rates and fees of the Chase Sapphire Preferred® Card, please click here.
For rates and fees of the Chase Sapphire Reserve® card, please click here.
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