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Hilton Honors™ Surpass® Card from American Express

Hilton Honors™ Surpass® Card from American Express

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Your Rating:

3.8/5.0 from 15 Offer Ratings
Over the Past 60 Days!

(15) Over the Past 60 Days!

  • Regular Purchase APR 16.24%-20.24% Variable
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee $75
  • Credit Needed

    Excellent/Good

  • Card Brand American Express

Card Details

Highlights

  • Click "APPLY NOW" to apply online
  • Limited Time Offer: Earn 100,000 Hilton Honors Bonus Points after you spend $3,000 in purchases with your new Card within the first 3 months of Card Membership.
  • Plus, earn a free weekend night award after your first anniversary of Card Membership. Offer expires on 10/4/2017. 
  • 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. 
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • 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

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% Variable

Ongoing Information

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

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 CompareCards.com 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 Earn 100,000 Hilton Honors Bonus Points after you spend $3,000 in purchases with your new Card within the first 3 months of Card Membership.

This credit card comes with some of the highest ongoing rewards rates of any card on the market. Cardholders will enjoy 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. 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 foreign exchange fee of  2.7% of each transaction after conversion to US dollars with this card, and if you choose to carry a balance, the interest rate is 16.24%-20.24% Variable.

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

  • 3.0

    Regular APR

  • 0.0

    Intro APR

  • 4.0

    Fees

  • 5.0

    Benefits

  • star rating 4.0/5

    Overall Rating

The Bottom Line

This credit card comes with a huge welcome offer and can be extremely rewarding for consumers who frequently stay at Hilton properties.

The Good

With the opportunity to earn a huge sum of Hilton Honors Bonus points, this credit card has one of the best welcome offers on the market. Also, earning this many 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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Offer Rating

3.8/5.0

15 Total Ratings

5 Star
 
 
(3)
4 Star
 
 
(7)
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