How to Find the 150k (Or Even 130k + 1 Free Night) Welcome Bonus Offer for the Hilton Surpass Card [2021]

Hilton Surpass Card

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The Hilton Honors American Express Surpass® Card is one of the best hotel credit cards you can get for mid-tier elite status in the world. Whether you pledge loyalty to Hilton or just want the best perks for the lowest cost regardless of brand name, this card offers you perks that you cannot sleep on.

As always, you’ll want to be as strategic as possible when applying for cards. One of the biggest considerations that you’ll want to take into account when applying for a certain card is its welcome bonus.

Contrary to popular belief, a welcome bonus fluctuates extremely often. It even fluctuates as a function of the avenue through which you apply. It’s just like buying your favorite electronics — you’ll probably get a different price at Best Buy, depending on when you shop. You might also get a different price for the same product when shopping on Amazon, for example.

The most basic tenet is that you want to get the biggest bonus you can, so let’s dive into how you can find better offers on the Hilton Surpass card.

Benefits of the Amex Hilton Surpass Card

As we mentioned above, the benefits of the Hilton Surpass are some of the most underrated of all the hotel cards. The Hilton Surpass card offers the best mid-tier hotel status for the lowest price, which is one reason it’s one of the best choices for Hilton loyalists. Also, the Hilton Surpass card rewards you heavily for larger spending, which we’ll get into later.

Other Key Benefits

  • Complimentary Hilton Honors Gold status, which gets you free breakfast for up to 2 guests per room — plus, you’ll get your fifth night free for award bookings and access to preferred room upgrades (suites excluded)
  • No foreign transaction fees
  • 10 free Priority Pass Select visits every cardmember year
  • Car Rental Loss and Damage Insurance, which provides secondary coverage
  • Global Assist Hotline
  • Complimentary ShopRunner membership, which gets you complimentary 2-day shipping at many online retailers
  • Fraud protection, so you’re not held responsible for fraudulent charges made on your card

How to Find the 150,000 (Or 130,000 & 1 Free Night) Welcome Bonus Points Offer

The average public welcome bonus hovers around 125,000 Hilton Honors points. While this is worth around $500 at 0.4 cents per point, according to our travel points and miles valuations, you can do a bit better if you apply at the right time.

Generally, there are 2 types of enhanced welcome bonuses you’ll find:

  • 150,000 Hilton Honors points
  • 130,000 Hilton Honors points + 1 Free Weekend Night Reward

The second offer can be worth up to $1,000 because the free night certificate can be redeemed for stays at any Hilton property, including the ultra-luxe Waldorf Astoria Maldives Ithaafushi that charges 120,000 points per night.

If you take 120,000 points from the free night certificate and add it to 130,000 points, you’ll arrive at a maximum value of 250,000 Hilton Honors points, worth $1,000 according to our valuations.

Increased Public Welcome Offer

The easiest way to get access to these higher offers is to apply when American Express increases the welcome bonus on this card. These offers last for a short period before reverting to the “normal” offer.

American Express chooses when to provide and rescind these increases. Here’s the current welcome bonus:

Now, if the pubic offer is elevated, you’re in luck – you can stop there. But if the above offer isn, let’s take a look at some of the more nuanced ways to apply for a better welcome bonuses.

Utilizing CardMatch (Fastest Method)

Image Credit: CardMatch offers a tool called CardMatch. CardMatch partners with various banks to distribute these enhanced offers. Usually, larger banks, such as American Express, Chase, and Capital One, publish offers to a smaller, more limited group of people.

The easiest way to find out if you’re within this exclusive group of people with access to better welcome bonuses is to check for pre-qualified offers.

Because these banks are more selective with who they “target,” you’re more likely to be approved if you find yourself targeted.

When you check for pre-qualified offers through CardMatch, you won’t receive a hard inquiry on your credit report. You’ll simply get a soft inquiry, which uses your personal information to match your identity to any offers meant for you.

To see if you’re targeted, you’ll need to submit information including:

  • Your name
  • Your address
  • Last 4 digits of your Social Security number

Hot Tip: Learning how to use CardMatch is easy — just explore our detailed guide on CardMatch!

Targeted Mailings From American Express

One of the most traditional ways to get increased welcome bonuses is to receive a good, old-fashioned letter in the mail. To get targeted, you need to opt-in and enable mail correspondence.

This method only works if you’re an existing American Express cardholder. To get started, visit the Communication and Privacy Preferences section in the Account Services section of your Amex online account.

From there, you can choose your preferences. To maximize your chances of getting targeted through this method, you can even opt-in for email marketing in addition to postal mail.

Check for Pre-Qualified Offers With American Express

Lastly, you can fill in an online form directly with Amex and instantly see what your pre-qualified credit card offers are.

Simply follow these steps, and you’ll be ready to pull up any targeted card offers directly from Amex:

  1. Visit American Express’ homepage.
  2. Hover over the button that says Cards on the top ribbon of the page, and click Check for Pre-qualified Credit Card Offers under the Personal Cards section.
  3. You may be asked to enter your personal information or log into your Amex account if you’re an existing customer.
  4. Then, you’ll see the pre-qualified credit card offers that you can immediately access.
Amex Banner
You can easily check for pre-qualified offers directly on Amex’s website. Image Credit: American Express

Reasons You May Not Be Able to Get a Higher Welcome Offer

1. The Current Public Offer Is Not an Increased Offer

If all of the methods don’t yield any positive results with better offers, there could be one simple explanation: Amex isn’t running any offers for that particular card publicly.

To try to get around this, you can use CardMatch, which can show highly targeted offers. If nothing helps, then the best thing to do would be to wait for the higher offer to return in the future.

2. Amex’s Credit Card Maximum Rule

American Express limits the maximum credit cards you can hold at any particular time. This isn’t a hard and fast rule, but most report that you can only hold a maximum of 5 or 6 Amex credit cards at any given time.

3. Low Credit

If your credit score is not sufficiently high, it’s unlikely that card issuers like American Express will target you as an ideal customer. In this case, the best move is probably to improve your credit score.

4. You’ve Opted out of Marketing Offers

Sometimes you’ve unintentionally opted out of marketing offers, and many times these decisions were made many years ago. However, this is one of the easiest things to fix.

Make sure to follow the instructions above to opt into both postal and email communications to maximize your odds of getting targeted.

Final Thoughts

The Hilton Surpass card is an absolute keeper for those looking for lots of hotel perks and a small price tag. The benefits are plentiful, and you’ll get even more value if you stay with Hilton.

As always, you want to apply when you have the best welcome bonus available. The techniques mentioned above will give you the best shot at getting a hefty offer.

Of course, earning Hilton Honors points is just one part of the equation. Start dreaming about all the amazing ways you can redeem Hilton Honors points!

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

Frequently asked questions

How much are Hilton Honors points worth?

Hilton Honors points are worth 0.4 cents per point, according to our travel points and miles valuations. This is simply an approximate value. It is possible to get upwards of 1-2 cents per point in value if you stay at aspirational hotels such as the Conrad Maldives, Waldorf Astoria Maldives, and more.

How many Hilton Honors points are needed for a free night?

Hilton categorizes its properties, and the lowest category only requires 5,000 points per night. If you also throw in a free fifth award night, you’ll reduce your minimum points cost to 4,000 points per night for a 5-night stay in a Category 1 Hilton hotel.

Rooms can get as pricey as 120,000 Hilton Honors points per night.

Do Hilton Honors points expire?

Hilton Honors points expire after 12 months of inactivity. You can extend with qualifying activity, such as earning points through hotel stays or credit card spending.

How can I create a Hilton Honors account?

You can create a Hilton Honors account by filling out a registration form on Hilton’s website.

Stephen Au

About Stephen Au

Born and raised in Los Angeles, Stephen has been privileged to enjoy many premium cabin products and 5-star hotels. A petroleum engineer by trade, Stephen caught the travel bug in college when he traveled to Asia several times. After 2 years of continual promotions, Stephen quit his safe and secure career path in favor of entrepreneurship.

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Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.


  1. I tried your recommendation to see what offers would pop up. They are paid to promote the cards they benefit from. One of the companies they tout is CreditOne.
    It appears to be a card that copies Capital One. This was a bad recommendation and now this service has the last 4 digits of my SS#.
    “ is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants’ credit approval also impact how and where products appear on this site. does not include the entire universe of available financial or credit offers.
    CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi, and Discover.”


  2. How I got the enhanced, 150,000 + 50,000 points offer for the Amex Hilton Surpass card was to begin the application, cancel it midway through, and then the enhanced offer appeared. As with everything, your experience may differ.


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