Hilton Honors American Express Surpass Card Referral Code & Link

🎯 What You'll Get

Your bonus: 155,000 Hilton Honors points What you need to do: Spend $3,000 in the first 6 months What your friend gets: 20,000 Hilton Honors points (once you're approved) Offer expires: January 14, 2026

💳 Card Basics

• Annual fee: $150 (much more reasonable than the Aspire!)
• Interest rate: 19.99% - 28.99% variable APR
• Foreign transaction fees: None
• Additional cards: You can add family members

⭐ How You Earn Points

The Big Earners

1. Hilton hotels: 12x points
   • Book directly with any Hilton property
2. Dining: 6x points
   • All US restaurants, including takeout and delivery
3. Groceries: 6x points
   • US supermarkets (great for everyday spending!)
4. Gas stations: 6x points
   • US gas stations
5. Online shopping: 4x points
   • US online retail purchases
6. Everything else: 3x points
   • All other eligible purchases

🏨 The Sweet Benefits

Hotel Perks

• 🔸 Hilton Gold Status (automatic with the card)
  • Room upgrades when available
  • Late checkout
  • 80% bonus on points earned during stays
• 🔸 $200 Hilton Credit
  • Up to $50 back each quarter
  • Use it at any Hilton property
• 🔸 Free Night Award
  • Spend $15,000 in a year and get a free night
• 🔸 Diamond Status Upgrade
  • Spend $40,000 in a year and get Diamond status through the next year

Travel Benefits

• ✈️ No Foreign Transaction Fees
  • Great for international travel
• 🛡️ Standard Amex Travel Protections
  • Purchase protection
  • Extended warranty
  • Return protection

Insurance & Protection

• 🛡️ Purchase Protection
  • Coverage for damaged or stolen items
• 📄 Extended Warranty
  • Extends manufacturer warranties
• ↩️ Return Protection
  • Return items when merchants won't take them back

📋 Who Can Apply?

1. Credit score: Good to excellent credit (typically 670+)
2. Income: More flexible than the Aspire - around $30,000+ annually
3. Where you live: US residents only
4. Age: Must be 18 or older

🔗 How to Get It

1. Click the referral link
   • Use the link above to apply
   • Fill out the application completely
2. Hit the spending requirement
   • Spend $3,000 in your first 6 months (much easier than Aspire!)
3. Collect your points
   • You get 155,000 points
   • Your friend gets 20,000 points

💡 Pro Tips

Perfect For

• People who want Hilton benefits without the high annual fee
• Everyday spenders who shop for groceries and gas regularly
• Occasional Hilton guests who want Gold status perks
• Those who want to "test drive" the Hilton ecosystem

How to Max Out the Value

1. Use those 6x categories
   • Do your grocery shopping and gas fill-ups with this card
   • Dine out regularly to maximize the 6x dining bonus
2. Plan for the free night
   • Try to hit that $15,000 spending threshold for the annual free night
3. Go for Diamond if you can
   • If you're a big spender, that $40,000 threshold gets you Diamond status
4. Combine with other Hilton cards
   • Some people use this alongside the no-fee Hilton card for different categories

Surpass vs Aspire - Which One?

Choose Surpass if:

• You want lower annual fee ($150 vs $550)
• You don't stay at Hilton hotels super frequently
• You want good everyday earning rates (6x on groceries/gas/dining)
• You're new to hotel credit cards

Choose Aspire if:

• You stay at Hilton hotels regularly
• You can use all those annual credits ($400 resort + $200 flight + $209 CLEAR)
• You want Diamond status automatically
• You don't mind paying more for premium perks

⚠️ Things to Keep in Mind

• The annual fee is reasonable, but make sure you'll use the benefits
• Gold status is nice but not as premium as Diamond (which you get with Aspire)
• The free night award requires $15,000 in spending - plan accordingly
• Points are mainly good for Hilton stays (same limitation as other Hilton cards)
• Referral offers and terms can change, so always check the latest details