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Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card

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RUNNER UP

Best Credit Card Signup Bonus Offers: 2019

Best Rewards Credit Cards

The Hilton Honors American Express Surpass Card is meant for people who spend a lot of time staying at properties within the Hilton Portfolio.

It’s quite rewarding, with 12X and 6X bonus categories to earn points in. A large signup offer of 130,000 bonus points and a Free Weekend Night is available for spending $4,000 in the first four months. Cardholders get complimentary Hilton Honors Gold status, which comes with a variety of nice benefits.

The most important is the 18X Base Points per dollar you’ll earn at eligible Hilton properties. That will be a total of 30X points per dollar at Hilton. There’s also a fast track to Diamond status by spending $40,000 per year with the card, which has even better benefits.

The extra perks and benefits can be quite valuable, and the more you travel the more useful this card will be for you. There is an annual fee of $95, but it’s pretty reasonable for all the value you could get.

There are two other consumer Hilton cards from Amex, one more expensive and one less:

The Hilton Honors Card: No annual fee, 7X Bonus Points per dollar at Hilton properties, Silver Hilton status
The Hilton Honors Aspire Card: $450 annual fee, 14X Bonus Points per dollar at Hilton properties, Diamond Hilton status

Hilton Honors American Express Surpass® Card

Learn how to apply for this card.

REVIEWS

Our Rating
See details

Read Our Full Review

RUNNER UP

Best Credit Card Signup Bonus Offers: 2019

Best Rewards Credit Cards

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Card Details

Rewards

30X Hilton Honors points per dollar at participating hotels and resorts in the Hilton Portfolio
- 12X Bonus points per dollar from the card
- 18X Base points per dollar from your member status (minimum)
6X Hilton Honors Bonus points per dollar at:
- U.S. Restaurants
- U.S. Supermarkets
- U.S. Gas stations
3X Hilton Honors Bonus points per dollar on all other eligible purchases

Introductory Bonus

130,000 Hilton Honors Bonus points and a Free Weekend Night for spending $4,000 in the first 4 months

Card Stats

Annual Fee $95

Additional Cards Annual Fee -

Regular Purchase APR 17.74%-26.74% Variable

Intro Purchase APR -

Foreign Transaction Fee None

Chip Technology Chip-and-Signature

Minimum Credit Limit -

Maximum Credit Limit -

Free Credit Score Yes

Penalty APR 29.99% Variable

Late Fee Up to $39

Returned Payment Fee Up to $39

Balance Transfers

Intro Balance Transfer APR -

Regular Balance Transfer APR 17.74%-26.74% Variable

Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater.

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

How balance transfers work

Cash Advances

Cash Advance APR 27.24% Variable

Cash Advance Fee Either $10 or 5% of the amount of each cash advance, whichever is greater.

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

How cash advances work

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

Read about this specific card’s benefits

Learn about credit card benefits

Complimentary Hilton Honors Gold Status

Benefits can include your 2^nd guest stays free, digital check-in up to 24 hours in advance, complimentary Internet access, complimentary access to gyms and health clubs, and more.
Fast Track to Hilton Honors Diamond Status

You’ll be awarded Diamond status if your purchases for a given year reach $40,000. Diamond status comes with even better benefits, free night stays, complimentary services, and more.
Annual Weekend Night Reward

Get a free weekend night after spending $15,000 on purchases in any calendar year. Redeemable for one weekend standard accommodation, double occupancy. Weekend nights refer to Friday, Saturday, and Sunday nights.
Priority Pass Select Access

Provides access to over 1,200 Priority Pass airport lounges around the world, including ten free lounge visits per year. Excludes non-lounge experiences. Additional passes are $32 per person. Authorized users don’t receive a membership, but they can use the 10 free visits.
Pay It Plan It

You can choose between two options to pay down your balance. The Pay It option lets you pay small purchase amounts, while the Plan It plan lets you split up large purchases, for a fixed monthly fee.
Lowest Hotel Rates Guarantee

If you book an eligible room on Amex Travel and then find the same offer being advertised for a lesser price, you can be refunded for the difference.
Entertainment Access

Discounts to card member-only events, concerts, sporting events, and shows.
Complimentary ShopRunner Membership

Free membership to ShopRunner, which provides free two-day shipping from many retailers. Cardholders must enroll in this benefit.

Dispute Resolution

Get help with fraudulent transactions if your account becomes compromised.
$0 Fraud Liability Guarantee

Cardholders are not held responsible for unauthorized purchases with the card.

Extended Warranty

For warranties of 5 years or less, you can get up to one extra year added to the original manufacturer’s warranty.
Return Protection

If the merchant won’t take back an eligible item that you purchased on your card within 90 days from the date of purchase, American Express may refund the purchase price, minus shipping and handling, for up to $300 per item, up to $1,000 per year for each account.
Purchase Protection

Items purchased with your card are protected against accidental damage and theft within 90 days of the purchase.

Global Assist® Hotline

When you travel 100 miles or more from home you can get help with travel accidents such as a lost passport, the need for a lawyer, sudden illness, and more. You must pay for all third-party service costs.
Roadside Assistance Hotline

Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency. You pay for all third-party service costs.
Car Rental Loss and Damage Insurance

Stolen or damaged vehicles are covered if you use your card to pay and reserve the rental, and you decline the collision damage waiver. Not all rentals or vehicles are covered. Provides secondary coverage only, not liability coverage.
Travel Accident Insurance

Added financial security against death and dismemberment when traveling by Common Carrier. Includes traveling by plane, train, ship, or bus.
Baggage Insurance Plan

When you buy a Common Carrier ticket on your card, eligible lost, damaged, or stolen bags are covered up to $1,250 for carry-on baggage and up to $500 for checked baggage.

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Hilton Honors Surpass Card

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