Hilton Surpass vs. Hilton Aspire: Do you want Gold or Diamond status?

If you’re in the market for a personal Hilton card and are willing to pay an annual fee to receive great benefits, you may be wondering whether to apply for the Hilton Honors American Express Surpass® Card or the benefits-heavy Hilton Honors American Express Aspire Card.

Let’s walk through the ins and outs of both cards to help you decide which is right for you.

The information for the Hilton Honors Aspire Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Hilton Honors Surpass vs. Hilton Honors Aspire comparison

	Hilton Honors Surpass	Hilton Honors Aspire
Annual fee	$150 (see rates and fees)	$550
Welcome offer	Earn 130,000 bonus points after spending $3,000 in purchases in the first six months of cardmembership.	Earn 150,000 bonus points after spending $6,000 on eligible purchases in the first six months of cardmembership.
Earning rates	12 points per dollar on eligible Hilton purchases 6 points per dollar on dining at U.S. restaurants (including takeout and delivery), U.S. supermarkets and U.S. gas stations 4 points per dollar on U.S. online retail purchases 3 points per dollar on other eligible purchases	14 points per dollar on eligible Hilton purchases 7 points per dollar on dining at U.S. restaurants (including takeout and delivery), select flights booked directly with the airline or at AmexTravel.com and car rentals booked directly from select car rental agencies 3 points per dollar on other eligible purchases
Statement credits	Up to $50 Hilton statement credit each quarter (up to $200 per calendar year); terms apply	Up to $50 credit every quarter for eligible flight purchases (up to $200 per calendar year) Up to $200 Hilton resort statement credit biannually on purchases made with Hilton Resorts (up to $400 per calendar year) Up to $100 property credit on eligible stays of two or more nights at Waldorf Astoria and Conrad hotels Up to $199 Clear Plus membership statement credit each calendar year Enrollment is required for select benefits; terms apply
Elite status	Hilton Honors Gold; upgrade to Diamond by spending $40,000 in a calendar year; terms apply	Hilton Honors Diamond; terms apply
Free nights		One free night reward within your first cardmember year and another every year after you renew A second free night reward after spending $30,000 in a calendar year, and a third free night after spending $60,000 in a calendar year Terms apply
Other benefits	No foreign transaction fees (see rates and fees) National Car Rental Emerald Club Executive Status Travel and shopping protections Complimentary ShopRunner membership Enrollment is required for select benefits; terms apply	No foreign transaction fees National Car Rental Emerald Club Executive Status Travel and shopping protections Cellphone protection (up to $800 per claim, subject to a $50 deductible, for two approved claims per 12-month period) when you pay your eligible wireless bill with your card* Enrollment is required for select benefits; terms apply

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

Hilton Honors Surpass vs. Hilton Honors Aspire welcome offer

New Hilton Honors Surpass cardmembers can earn 130,000 bonus points after spending $3,000 in purchases on the Hilton Honors American Express Surpass Card in the first six months of cardmembership.

TPG’s January 2025 valuations peg Hilton points at 0.6 cents each, so the points you’ll get with this welcome offer are worth $780 toward travel.

Meanwhile, new Hilton Honors Aspire cardmembers can earn 150,000 bonus points after spending $6,000 on eligible purchases in the first six months of cardmembership.

Using our valuations, this welcome offer is worth $900 toward travel.

Winner: Hilton Honors Aspire. Thanks to its bigger welcome offer, this card has an edge over the Hilton Honors Surpass.

Hilton Honors Surpass vs. Hilton Honors Aspire benefits

Both cards are geared toward those who stay at Hilton or Hilton portfolio properties, so you can expect to find a variety of benefits relating to Hilton property stays, among other benefits.

The Hilton Honors Surpass has a $150 annual fee and provides complimentary Gold status, which includes perks like a fifth night free on standard room stays and an 80% bonus on all base points. Cardmembers can upgrade to Diamond status by spending $40,000 in a calendar year.

You’ll also receive a free night reward for use at eligible properties after spending $15,000 in a calendar year. Cardmembers also receive up to $200 annually in statement credits for purchases made directly with a property in the Hilton portfolio. The credits are split up into quarterly increments of up to $50.

On the other hand, the Hilton Honors Aspire has a $550 annual fee and provides complimentary Diamond status, which provides free premium Wi-Fi, a 100% bonus on base points and space-available room upgrades, among other perks.

The Hilton Honors Aspire also offers a free night reward every account anniversary, with the ability to receive a second free night award after spending $30,000 in a calendar year and another after spending $60,000 in the same time frame.

Where these cards greatly differ is the slew of statement credits the Hilton Honors Aspire card has to offer. These include an up-to-$200 annual credit for airline purchases (up to $50 quarterly), an up-to-$400 Hilton resort statement credit (up to $200 biannually) each calendar year valid at participating resorts and an up-to-$100 property credit on eligible stays of two or more nights at Waldorf Astoria and Conrad hotels.

Cardmembers also receive up to $199 in statement credits for a Clear Plus membership each calendar year and cellphone protection that reimburses you for repair or replacement. Cardmembers are limited to two claims every 12 months with a limit of $800 per claim (subject to a $50 deductible). Enrollment is required for select benefits; terms apply.

Meanwhile, both cards have no foreign transaction fees and offer elite status with National Car Rental. Both cards offer robust travel and shopping protection perks, but the Aspire wins in this category.

Winner: Hilton Honors Aspire. Thanks to its slew of statement credits, automatic Diamond elite status and travel protections, it takes the lead ahead of the Hilton Honors Surpass.

Earning points with the Hilton Honors Surpass vs. Hilton Honors Aspire

The Hilton Honors Surpass earns 12 points per dollar on eligible purchases at hotels and resorts in the Hilton portfolio. The card also earns 6 points per dollar on dining at U.S. restaurants (including takeout and delivery), U.S. supermarkets and U.S. gas stations.

Interestingly, for a hotel card, the Hilton Honors Surpass also earns 4 points per dollar on U.S. online retail purchases. Finally, you’ll earn 3 points per dollar on other eligible purchases.

The Hilton Honors Aspire offers slightly better earning rates in certain categories, with 14 points per dollar on eligible purchases at hotels and resorts in the Hilton portfolio, 7 points per dollar on dining at U.S. restaurants (including takeout and delivery) and 3 points per dollar on other eligible purchases.

In addition to these rates, the card earns 7 points per dollar on select travel, including flights booked directly with airlines or AmexTravel.com and car rentals booked directly with select car rental companies.

It’s worth noting that the Gold and Diamond status the Hilton Honors Surpass and Hilton Honors Aspire provide, respectively, will earn you extra points on eligible Hilton charges. That means using your Hilton Honors Surpass on eligible Hilton charges will net 30 points per dollar while using your Hilton Honors Aspire on eligible Hilton charges will earn 34 points per dollar in total.

Winner: Hilton Honors Aspire. The higher earning rates on the card allow you to earn points faster.

Redeeming points with the Hilton Honors Surpass vs. Hilton Honors Aspire

Both cards allow you to earn Hilton Honors points through credit card spending, which are automatically deposited into your Hilton Honors account. You can redeem points for free nights (no blackout dates), Lyft rides, rental cars, transfers to airline partners, shopping and experiences.

Hilton Honors doesn’t have an award chart for hotel redemptions. Therefore, the number of points you need varies depending on the hotel, room type, booking and stay dates.

The Points Explorer tool offered through Hilton is an excellent way to determine how many points you need. Plug in how many points you’re working with, where you wish to travel or a destination type and the tool will provide you with a list of results that match your criteria.

TPG contributing editor Matt Moffitt was able to redeem 256,000 Hilton points for a stay at the Hilton Sydney the week before Christmas. Thanks to the Diamond status his Aspire card awarded him, he was able to get his fifth night for free.

Winner: Tie. Both cards have identical redemption options.

Should I get the Hilton Honors Surpass or the Hilton Honors Aspire?

The Hilton Honors Surpass is one of the best mid-tier hotel credit cards out there and offers outsize value with a moderate $150 annual fee. However, you can easily get value out of the higher $550 annual fee on the Hilton Honors Aspire if you maximize its statement credits and can take advantage of Hilton Diamond status by staying at Hilton properties a few times a year.

How to upgrade from the Hilton Honors Surpass to the Hilton Honors Aspire

It’s easy to upgrade from the Hilton Honors Surpass to the Hilton Honors Aspire by calling American Express customer service. However, switching to the Hilton Honors Aspire won’t allow you to earn a welcome bonus unless you’re targeted for an upgrade offer. This may make you ineligible to earn one in the future due to Amex’s one-bonus per-lifetime policy. If you wish to downgrade the Aspire to the Surpass, call the number on the back of your card.

Bottom line

The Hilton Honors Aspire has an incredibly compelling value proposition and can pay for itself (and then some) over time, but there’s no way around the upfront $550 annual fee.

That said, frequent travelers can easily take advantage of its benefits. The Hilton Honors Surpass has great benefits with a lower annual fee, so it may be a better choice for those who don’t stay with Hilton too often.

To learn more, read our full reviews of the Hilton Honors Surpass and Hilton Honors Aspire.

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Apply here: Hilton Honors Surpass

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