Review
American Express Hilton Honors American Express Surpass® Card Review: Unlock Elite Status and Significant Hilton Value
Discover if the Hilton Honors American Express Surpass® Card is your ticket to elite status and massive Hilton value. Our review dives deep into its generous rewards, complimentary Gold status, and how its annual credits can effectively offset the fee.
American Express
Hilton Honors American Express Surpass® Card
| Annual Fee | $150.00 |
| Sign-up Bonus | 130,000 Hilton Honors Bonus Points |
| Rewards Rate | 3x-12x Hilton Honors Bonus Points |
| Regular APR | APR: 19.49% to 28.49% variable APR on purchases. |
| Other Fees | No Foreign Transaction Fees |
Overview
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate on travel, dining, groceries, and online retail
- Automatic hotel elite status and path to higher status
- Valuable hotel statement credits
- No foreign transaction fees
- Travel and purchase protections
Things to consider
- Annual fee applies after the first year
- No intro APR period
- High regular APR
- Requires significant spending for higher elite status or free night reward
Benefits
Drawbacks
Decision Guidance
Summary
The Hilton Honors American Express Surpass® Card earns an exceptional overall rating of 4.6, establishing itself as a top-tier option for dedicated Hilton loyalists. Its strengths overwhelmingly outweigh its singular weakness, the high APR. The card...