Hilton Honors American Express Surpass® Card
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The Hilton Honors Surpass Card from American Express offers the chance for avid travelers and frequent Hilton customers to get more out of their stays. Cardholders get a generous number of points back on Hilton purchases plus automatic Gold status, with a number of other benefits, all for a $95 annual fee.
American Express is a Credit Card Insider advertiser.
Hilton Honors American Express Surpass® Card
Highlights & Features
(Rates & Fees)Rewards
- 12X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
- 12X Hilton Honors Bonus points per dollar at U.S. supermarkets (through July 2020)
- 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
125,000 Hilton Honors Bonus points for spending $2,000 in the first 3 monthsBalance Transfers
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.
| Intro Balance Transfer APR | N/A |
| Regular Balance Transfer APR | N/A |
| Balance Transfer Fee | N/A |
Fees
| Penalty APR | 29.24% Variable |
| Late Fee | Up to $40 |
| Returned Payment Fee | Up to $40 |
| Additional Cards Annual Fee | N/A |
| Foreign Transaction Fee | None |
Cash Advances
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.
| Cash Advance APR | 25.24% Variable |
| Cash Advance Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
Hilton Honors American Express Surpass® Card
Highlights
(Rates & Fees)- Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
- Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
- Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio.
- Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
- Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
- $95 annual fee.
- Terms Apply.
- See Rates & Fees
ABOUT THE ISSUER
American Express
American Express has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your
Credit card issuer's websiteDue to the impact of COVID-19, for eligible card accounts approved from 12/1/19 through 5/31/20, the period to make eligible purchases to earn the welcome bonus will be extended for an additional three months.
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 welcome offer of 125,000 bonus points is available for spending $2,000 in the first three 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 for your Gold status, plus the 12X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio, 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 (Rates & Fees).
There are two other consumer Hilton cards from Amex, one more expensive and one less:
- Hilton Honors American Express Card: No annual fee (Rates & Fees), 7X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
- Hilton Honors Aspire Card: $450 annual fee, 14X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio, Diamond Hilton status
