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Hilton Honors™ Surpass® Card from American Express

Hilton Honors™ Surpass® Card from American Express

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4.0/5.0 from 3 Offer Ratings
Over the Past 60 Days!

(3) Over the Past 60 Days!

  • Regular Purchase APR 15.99% - 19.99% Variable
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fees $75
  • Credit Needed N/A
  • Card Brand American Express

Card Details


  • Click "APPLY NOW" to apply online
  • Limited Time Offer: Earn 100,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card within your first 3 months. Offer Ends 5/31/17.
  • Earn a free weekend night on your anniversary date of Card approval. Some hotels may have mandatory services and resort charges. Terms Apply.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating 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. Terms and limitations apply.
  • As a Hilton Honors™ Surpass® Card Member you'll receive Hilton Honors Gold status.
  • 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.
  • Terms Apply.
  • See Rates & Fees

Card Fees

Late Payment Fees Up to $38

Foreign Transaction Fee 2.7% of each transaction after conversion to US dollars

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

Cash Advance Fee Either $5 or 3% of the amount of each cash advance, whichever is greater

Penalty APR 29.99%

Ongoing Information

Rewards Cap No Cap

Rewards Rate 12X points for each dollar charged with a participating hotel or resort; 6X points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations; 3X points for all other eligible purchases

Annual Fee $75

Purchase Grace Period 25 days

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance Yes

Extended Warranty Program Yes

Roadside Assistance No

Purchase Protection Yes

Travel Assistance Yes

Flight Accident Insurance No

Lost Luggage Reimbursement Yes

Concierge Service Yes

Expert Reviews

From the Editorial Team

The Hilton Honors Surpass Card from American Express is an extremely rewarding credit card for consumers who want to earn points towards free nights at Hilton Hotels. This card currently comes with an incredible sign up bonus of 100,000 bonus points after cardholders spend $3,000 with the card in the first 3 months.

For ongoing rewards, cardholders will earn an incredible 12x Honors points per dollar spent at Hilton properties, 6x points on dining, groceries, and gas station, and 3x points on all other purchases. Needless to say, if you are a loyal Hilton customer, this credit card can help you rake in a ton of Honors points with your daily use.

There is a $75 annual fee with this card, but you’ll easily make that up with the sign up bonus and the generous rewards you earn. Other perks of this card include complimentary Honors Gold Status, the legendary American Express customer service, and much more. There is a 2.7% foreign transaction fee with this card, and if you choose to carry a balance, the interest rate is 15.99% - 19.99% Variable.

Expert Reviews of the Hilton Honors™ Surpass® Card from American Express

  • 3.0

    Regular APR

  • 0.0

    Intro APR

  • 4.0


  • 5.0


  • star rating 4.0/5

    Overall Rating

The Bottom Line

This credit card comes with a huge sign up bonus and can be extremely rewarding for consumers who frequently stay at Hilton properties

The Good

With the opportunity to earn 100,000 Hilton Honors Bonus points, this credit card has one of the best sign up bonuses on the market. Also, earning 12x points at Hilton properties will help loyal customers earn free nights very quickly.

The Not so Good

The $75 annual fee isn't waived in the first year

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by American Express.

Consumer Reviews

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