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Amex Gold Card vs. Hilton Surpass Card [Detailed Comparison]

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Christine Krzyszton
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Christine Krzyszton

Senior Finance Contributor

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Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, deta...
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A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little ca...
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It can be challenging to find an everyday card that does it all. Earning rewards on your most frequent and greatest purchases is a definite priority, and so is having access to redemption options that fit your travel goals.

Whether your dream is to take a trip to Italy or just a weekend getaway at a comfy beach resort, you’ll find value in today’s comparison of 2 cards that can help you achieve these and many other travel objectives.

The American Express® Gold Card and the Hilton Honors American Express Surpass® Card will each fit nicely in your wallet and earn rewards on daily purchases. The cards can also deliver redemption options that offset the cost of travel.

Let’s look closer at how these cards earn rewards, the travel opportunities you can create at redemption time, and the additional card benefits you can expect.

Amex Gold Card vs. Hilton Surpass Card — Overview

First, let’s start with an overall view of how the Amex Gold card and Hilton Surpass card compare.

We’ll then get into the details of each card’s features and benefits.

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Feature or BenefitAmerican Express® Gold CardThe Hilton Honors American Express Surpass® Card
Welcome OfferEarn 60,000 points when you spend $6,000 on purchases in the first 6 months. Earn 130,000 points after spending $3,000 in the first 6 months.
Bonus Earnings
  • 4x points at U.S. supermarkets (limit of $25,000 in purchases per calendar year, then 1x points), at restaurants worldwide, plus takeout and delivery in the U.S.
  • 3x points for flights purchased directly through the airlines or via AmexTravel.com
  • 12x points at Hilton hotels and resorts
  • 6x points at U.S. supermarkets, U.S. gas stations, and U.S. restaurants
  • 4x points on U.S. online retail purchases
Top Redemption OptionsTransfer to airline or hotel partners or redeem for select travel via AmexTravel.comHilton hotel nights
Top Travel Protections and BenefitsCar rental insurance, trip delay insurance, baggage insuranceCar rental insurance, baggage insurance, Hilton Honors loyalty program benefits, Hilton statement credits
Top Shopping Protections and Benefits
  • Purchase protection
  • Extended warranty
  • Amex Offers (enrollment required)
  • Up to $120 in Uber Cash ($10/month) for Uber Eats orders or Uber rides in the U.S. when adding your Amex Gold card to the app
  • Up to $120 in credits at select dining ($10/month), enrollment required
  • Purchase protection
  • Extended warranty
  • Amex Offers (enrollment required)
Annual Fees and Authorized Users
  • Annual fee of $250 (rates & fees)
  • No charge for up to 5 additional users; $35 for each user added after that (rates & fees)

The Value of a Welcome Bonus Offer

Immediately after receiving approval for the Amex Gold card or Hilton Surpass card, you’ll have the opportunity to qualify for the associated card’s welcome offer. These bonuses can be earned by meeting minimum spending requirements within the specified period after card approval.

Bonuses vary, but typically, these generous bonuses can be worth more than $1,000 when redeemed for travel or free hotel nights.

Check out these card snapshots for more information on the most current welcome offers for our featured cards:

BEST FOR DINING
American Express® Gold CardTerms Apply / Rates & Fees

American Express® Gold Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

American Express® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months.
60,000 points
$1,320
$250
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The American Express® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros

  • 4x points per dollar at restaurants, plus takeout and delivery in the U.S.
  • 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
  • 3x points per dollar on flights purchased directly from airlines or at Amex Travel
  • Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations
  • Up to $120 in annual Uber Cash: get $10 monthly in Uber Cash for Uber Eats orders or Uber rides in the U.S. when you add your Gold Card to your Uber account
  • No foreign transaction fees (see rates and fees)
  • Access to Amex’s The Hotel Collection
  • Access to American Express transfer partners

Cons

  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

Financial Snapshot

  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

Hilton Honors American Express Surpass® CardTerms Apply / Rates & Fees

Hilton Honors American Express Surpass® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

An excellent high-earning Hilton credit card that comes with perks like Hilton Honors Gold status and up to $200 in Hilton credits every year.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Hilton Honors American Express Surpass® Card

An excellent high-earning Hilton credit card that comes with perks like Hilton Honors Gold status and up to $200 in Hilton credits every year.
Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.
130,000 points
$650
$150
20.99%-29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

If you’re someone who loves traveling and loves staying in Hilton hotels, adding a co-branded Hilton hotel card to your wallet is almost a no-brainer. From automatic Hilton elite status to up to $200 in Hilton credits every year, the Hilton Honors American Express Surpass® Card can be a great fit for Hilton loyalists looking to up their travel game.

Pros

  • 12x points per $1 at Hilton hotels
  • 6x points per $1 U.S. supermarkets, U.S. gas stations, and U.S. restaurants
  • 4x points per $1 at U.S. online retail purchases
  • 3x points per $1 on all other purchases
  • Complimentary Hilton Honors Gold status
  • No foreign transaction fees

Cons

  • Annual fee of $150.
  • Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.
  • Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass® Card.
  • 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 Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 4X Points for each dollar on U.S. Online Retail Purchases.
  • Earn 3X Points for all other eligible purchases on your Card.
  • Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
  • Enjoy complimentary Hilton Honors ™ Gold Status with your Hilton Honors American Express 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.
  • Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • $150 annual fee.
  • Terms Apply.

Financial Snapshot

  • APR: 20.99%-29.99% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Hilton Honors

Bottom Line:

The Amex Gold card and Hilton Surpass card come with generous welcome offers that can be earned by meeting minimum spending requirements in the immediate period following card approval.

Earning Potential

Hamburger and Fries
You’ll earn well on dining out with either of our featured cards. Image Credit: Salo Al via Pexels

In addition to the welcome bonus, every purchase you make on either the Amex Gold card or the Hilton Surpass card will continue to earn rewards. Additionally, you can add to your rewards stash by referring family and friends.

Here’s how to earn and accumulate rewards with each of our featured cards.

Spending on the Card

The Amex Gold card earns flexible Membership Rewards points, while the Hilton Surpass card earns Hilton Honors points.

We’ll expand on the value of rewards earned on both cards next when we look at redemption options. But first, let’s look at how you’ll earn rewards on each card:

SCROLL FOR MORE
Earning CategoryAmex Gold CardHilton Surpass Card
Travel
  • 3x points on flights purchased via the airlines or AmexTravel.com
  • 1x points on all other travel
  • 12x points at Hilton hotels and resorts
  • 3x points on all other travel
U.S. Supermarkets and Restaurants
  • 4x points at U.S. supermarkets up to $25,000 in purchases each year, then 1x points
  • 4x points at restaurants worldwide

6x points at U.S. supermarkets and U.S. restaurants

U.S. Gas Stations 1x points6x points
U.S. Online Retail Purchases1x points4x points
All Other Purchases1x points3x points

Both the Amex Gold card and Hilton Surpass card have robust earning structures. The cards also strike a balance between earning on everyday purchases and select travel purchases.

It makes sense that if you stay at Hilton properties, even a few times each year, the Hilton Surpass card could provide significant earnings on those stays.

The Hilton Surpass card also earns unlimited points at the supermarket, on dining out, at gas stations, and for online retail purchases. Every purchase you make earns at least 3x points, and earnings are unlimited.

If you spend $25,000 or less at the grocery store and frequently dine out, the Amex Gold card will earn well on those purchases.

Aligning bonus category earnings with the type of purchases you make regularly will determine which card earns better for your situation. However, earnings are just one important factor to consider. The value of those rewards at redemption time will be equally, if not more, important.

We’ll look at redemption options shortly, but here’s another way to earn rewards.

Referral Opportunities

Amex Refer a Friend
Referral bonuses can help you earn additional rewards quickly. Image Credit: American Express

In addition to earning points by spending on the Amex Gold card and the Hilton Surpass card, you can earn rewards by referring family or friends. American Express offers an opportunity to earn these additional rewards when your referral is approved for any available American Express card.

Once approved for either of our featured cards, you can log in to your online card account, click on the Refer a Friend section, and use the associated link to invite your referral.

Referral rewards can range from 20,000 to 30,000 per approved referral, up to 55,000 points per calendar year. Learn more about the best credit card referral bonuses.

Bottom Line:

Both the Amex Gold card and Hilton Surpass card earn well on purchases at supermarkets and restaurants. Additionally, the Amex Gold card earns 3x points on flights via the airlines or AmexTravel.com. The Hilton Surpass card earns best at Hilton properties but offers elevated earnings at grocery stores and gas stations and for online retail purchases. Both cards earn rewards when referring family and friends who are subsequently approved for available American Express cards.

Redemption Options

Zemi Beach House, LXR Hotels & Resorts
Hilton properties can be booked with rewards earned on either of our featured cards. Zemi Beach House, LXR Hotels & Resorts. Image Credit: Hilton

The real value of rewards earned on the Amex Gold card and Hilton Surpass card is determined at redemption time. We value Membership Rewards points (earned on the Amex Gold card) at 2.2 cents each, while Hilton Honors points are valued at approximately 0.5 cents each.

Here are the redemption options you’ll have on each card:

SCROLL FOR MORE
Redemption OptionAmex Gold CardHilton Surpass Card
Travel

Redeem points for select travel via AmexTravel.com, transfer points to airline or hotel partners

Redeem for free hotel nights, transfer to airline partners

Additional Redemption Options (Value Varies)Gift cards, shopping with select retailers, statement creditLyft rides, Ticketmaster, car rentals, meetings/events

Redeeming Membership Rewards Points

The best potential value for Membership Rewards points is to transfer to airline or hotel partners and redeem for award flights or free hotel nights.

For example, you can transfer 148,500 Membership Rewards points to the Singapore KrisFlyer loyalty program and redeem them for an experience of a lifetime. You could be flying, dining, and sleeping in an A380 suite from New York (JFK) to Singapore (SIN).

You won’t miss out on free Hilton hotel nights if you select the Amex Gold card, as Membership Rewards can transfer to Hilton Honors at a rate of 1 Membership Rewards point to 2 Hilton Honors points.

Redeeming Hilton Honors Points

The best value for redeeming Hilton Honors points is free hotel nights. Hilton Surpass cardholders also qualify to utilize the fifth-night free benefit, providing even more value. When you book 5 consecutive award nights, 1 of those nights will be free.

Although Hilton Honors does not have an award chart, you can discover ways to best use your points with the Hilton Honors Points Explorer tool. An example of great value is the Waldorf Astoria Maldives Ithaafushi. A night at this magnificent resort can cost upwards of $1,800, but it can be booked for 120,000 Hilton Honors points (around $600 in value) per night.

It’s possible to transfer Hilton Honors points to airline loyalty programs as well, but you might need 10,000 points to receive just 1,000 airline miles, which is not good value.

Bottom Line:

The Amex Gold card offers good value at redemption time when transferring Membership Rewards points to airline and hotel partners, including Hilton. The Hilton Surpass card earns Hilton Honors points that can result in good value when redeemed for select Hilton properties and when utilizing the fifth-night free benefit.

Travel Protections and Benefits

Road along the coastline
Whether it’s a road trip or a journey by air, travel protection can provide peace of mind. Image Credit: Peter Fazekas via Pexels

Travel protections can come in handy should something go wrong during a trip you’ve paid for with either the Amex Gold card or the Hilton Surpass card.

Benefits can save you money or earn additional rewards when you use your card for select purchases.

Here are the shopping protections and benefits you’ll find on both of our featured cards:

  • Car Rental Insurance — Receive secondary coverage with access to Premium Protection for a low price that covers the entire rental period.
  • Baggage Insurance —- Receive up to $1,250 for lost, damaged, or stolen baggage when traveling via a common carrier.
  • No Foreign Transaction Fees
  • Global Assist Hotline — Have access to 24/7 emergency and coordination assistance when more than 100 miles from home.

Secondary car rental coverage means that you must first file a claim with any other applicable insurance. Coverage is primary if you do not have other auto insurance coverage. Premium Protection includes primary car rental insurance and can be added for a fee of $12.25 to $24.95, depending on the state of residence and level of coverage selected. This coverage is valid for up to 42 consecutive days. Terms apply.

Amex Gold Card — Additional Travel Protections and Benefits

  • Trip Delay Reimbursement — If your trip is delayed for a covered loss for more than 12 hours, you could receive up to $300 per trip for “reasonable, additional expenses.” There is a limit of 2 claims per 12-month consecutive period.
  • The Hotel Collection Benefits — Book your stay via AmexTravel.com and receive an upgraded room, when available, and a $100 on-site credit to use for spa, dining, or other resort activities.

Hilton Surpass Card — Additional Travel Protections and Benefits

  • Hilton Honors Gold Elite Benefits — Receive automatic Gold elite status, and earn top Diamond elite status by spending $40,000 in a calendar year on the card.
  • Free Night Certificate — Spend $15,000 on your card within a calendar year and receive a free hotel night certificate.
  • Hilton Statement Credits — Use your card to pay during your stay at a Hilton property and receive up to $50 in statement credits each quarter, up to $200 in credits each year (enrollment required)
  • National Car Rental Benefits — Enroll in National Car Rental’s Emerald Club via your online card account and receive complimentary Emerald Club Executive status (enrollment required)
Bottom Line:

Both the Amex Gold card and Hilton Surpass card come with travel protections and benefits, including car rental insurance, baggage insurance, no foreign transaction fees, and the Global Assist Hotline. The Amex Gold card also comes with trip delay insurance and The Hotel Collection benefits. The Hilton Surpass card comes with Hilton Honors Gold status, up to $200 in Hilton credits each year, and National Car Rental Emerald Club Executive status.

Shopping Protections and Benefits

When you use your Amex Gold card or Hilton Surpass card for eligible purchases, you’ll receive protection that can offer money back should something go wrong with your purchase. Additionally, shopping benefits can help you earn additional rewards or save you money.

Here are the shopping protections and benefits you’ll find on both cards:

  • Purchase Protection
    • The Amex Gold card offers damage and theft protection for 90 days from the purchase date; $10,000 limit per eligible purchase, $50,000 per card account.
    • The Hilton Surpass card offers damage and theft protection for 90 days from the purchase date; $1,000 limit per eligible purchase, $50,000 per card account.
  • Extended Warranty — 1 additional year is added for eligible items with manufacturer’s warranties of 5 years or less.
  • Amex Offers — Enroll in targeted offers to save money or earn extra points on shopping, dining, and travel.

Amex Gold Card — Additional Shopping Benefits

  • Monthly Dining Credit — Receive up to $10 each month, up to $120 each calendar year in statement credits for purchases at participating Grubhub (including Seamless), The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations, enrollment required.
  • Uber Cash — Download the Uber app, add your Amex Gold card as your method of payment, and receive $10 in Uber Cash added to your account each month, up to $120 each calendar year. Uber Cash can be used for Uber rides and Uber Eats in the U.S. (enrollment required).

Annual Fees and Authorized Users

Before selecting any potential card, you’ll want to review the expenses associated with card membership. This includes annual card fees and the cost to add any additional card users.

The Amex Gold card has an annual fee of $250, and the Hilton Surpass card has an annual fee of $150.

There is no charge for up to 5 additional users to the Amex Gold card, then $35 for each user added after that. The Hilton Surpass card does not charge a fee to add authorized users.

Qualification Tips

It’s possible to have both the Amex Gold card and the Hilton Surpass card, so don’t rule out that possibility.

First, you will generally need a good to excellent credit score to qualify for either of our featured cards. This translates into a score of 670 to 850. Additionally, based on consumer data points, you cannot be approved for more than 2 cards within a 90-day timeframe and not more than 1 consumer card every 5 days. As always, your experience could differ, but it’s a good guideline to follow.

You’ll want to review any associated rules and minimum requirements before applying for any card.

Final Thoughts

We like flexible rewards points that can be used for a variety of redemption options, especially transferring points to airline and hotel programs.

The Amex Gold card earns these flexible rewards points, which makes it an excellent choice as an everyday spending card and for select travel purchases. At redemption time, rewards can be maximized by transferring to airline or hotel partners to purchase award flights or free hotel nights.

The Hilton Surpass card also earns very well on everyday spending. And, while rewards earned on the card are far less valuable overall than Membership Rewards points, the value for Hilton loyalists can be significant.

If you are an avid Hilton fan, the Hilton Surpass card checks all the boxes for providing Hilton-centric benefits, and you won’t pay a high annual fee to enjoy the card’s attributes.

The Amex Gold card serves a broader audience and could be the better choice if Hilton is not your top hotel chain. That said, it’s possible to have both cards.


For the car rental loss and damage insurance benefit of the American Express® Gold Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the trip delay insurance benefit of the American Express® Gold Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the baggage insurance plan benefit of the American Express® Gold Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the purchase protection benefit of the American Express® Gold Card, eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty benefit of the American Express® Gold Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the global assist hotline benefit of the American Express® Gold Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Card members are responsible for the costs charged by third-party service providers.

For the car rental loss and damage insurance benefit of the Hilton Honors American Express Surpass® Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the baggage insurance plan benefit of the Hilton Honors American Express Surpass® Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the purchase protection benefit of the Hilton Honors American Express Surpass® Card, eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty benefit of the Hilton Honors American Express Surpass® Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the global assist hotline benefit of the Hilton Honors American Express Surpass® Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Card members are responsible for the costs charged by third-party service providers.

For rates and fees of the American Express® Gold Card, click here.
For rates and fees for The Hilton Honors American Express Surpass® Card, click here.

Frequently Asked Questions

Which is the better card, the Amex Gold card or the Hilton Surpass card?

The Amex Gold card has broader redemption options as it earns flexible Membership Rewards points that can be transferred to airline and hotel partners. This contributes to Membership Rewards points being more valuable than Hilton Honors points. The Hilton Surpass card earns Hilton Honors points, which have their best value when redeemed for free hotel nights. Either card can provide significant value for the right consumer, as both cards have robust earning structures for everyday purchases.

Can Hilton Honors points be redeemed for flights?

Yes, it is possible to transfer Hilton Honors points to airline loyalty programs, but it is not a good value redemption option. A typical redemption ratio is receiving 1,000 airline miles for redeeming 10,000 Hilton Honors points.

Can I have both the Amex Gold card and the Hilton Surpass card?

Yes, it is possible to have both cards. It’s recommended to have a good to excellent credit score and not apply for both cards within a 90-day period.

Does the Hilton Surpass card come with a free hotel night certificate?

You can earn a free night hotel certificate by spending $15,000 in a calendar year on the Hilton Surpass card.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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