Hilton Honors American Express Surpass® Card is a personal credit card from American Express. Application typically pulls a hard report from Experian. The annual fee is $150. The ongoing APR is 19.74% to 28.74% variable APR on purchases. Approval typically requires a credit score of 650-700 or higher. Signup bonus: Earn 130,000 Hilton Honors Bonus Points + A Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer ends 1/13/2027.. Rewards: 12X points on eligible purchases made directly with hotels and resorts within the Hilton Portfolio; 6X points at U.S. restaurants (including takeout and delivery), U.S. supermarkets and U.S. gas stations; 4X points on U.S. online retail purchases; 3X points on other eligible purchases. This product reports activity to your personal credit report. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: American Express application limits: 1-in-5 (max 1 personal card approval per 5-day window) AND 2-in-90 (max 2 cards approved within any rolling 90-day period). Sign-up bonuses are once-per-lifetime per card product family. Charge cards (Green/Gold/Platinum) generally don't count toward credit-card velocity rules..