American Express
Hilton Honors American Express Surpass® Card
Key Features
| Annual Fee | $150.00 |
| Regular APR | 19.49% to 28.49% variable APR on purchases. |
| Network | American Express |
About this card
The Hilton Honors American Express Surpass® Card is a decent hotel rewards card, primarily valuable for frequent Hilton guests. The generous rewards on Hilton purchases (12x points) and the sign-up bonus are attractive. The 6x points on everyday spending categories like dining, groceries, and gas add value. However, the $150 annual fee and high APR (19.49% to 28.49%) are drawbacks. Complimentary Hilton Honors Gold status and potential upgrades to Diamond status are excellent perks. The overall rating balances the strong rewards program with the costs and limitations. For Hilton loyalists, the card provides good value. For infrequent Hilton guests, other travel cards might be more beneficial. The strengths include Hilton benefits, while the high APR and annual fee are weaknesses.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate on Hilton purchases
- Rewards on dining, groceries, and gas
- Complimentary Hilton Honors Gold status
- Statement credits for Hilton purchases
- Potential for free night reward and Diamond status
Things to consider
- Annual fee
- High regular APR
What this card offers
Sign-up bonuses
- Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership.
Rewards
- 12X POINTS On Hotels & Resorts For eligible purchases made directly with hotels and resorts within the Hilton portfolio.
- 6X POINTS On Dining At U.S. restaurants, including takeout and delivery.
- 6X POINTS On Groceries At U.S. supermarkets.
- 6X POINTS On Gas At U.S. gas stations.
- 4X POINTS On U.S. Online Retail Purchases.
- 3X POINTS For Each Dollar Spent on other eligible purchases.
Other features
- Enjoy complimentary Hilton Honors™ Gold status with your Hilton Honors Surpass® Card.
- Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That’s up to $200 in statement credits annually.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
- Hilton Honors American Express Surpass® Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
- Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year. With Hilton Honors Diamond status, enjoy benefits like: a 100% Bonus on all Base Points you earn on every stay, premium Wi-Fi at select properties, daily food & beverage credit at select brands in the U.S. and complimentary continental breakfast at select brands outside of the U.S., space-available room upgrades at select properties, and executive lounge access at select properties.
Additional Notes
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