Hilton Honors American Express Surpass® Card
Reviews
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CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.
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Those who always pay their balances in full and on time will usually come out ahead.
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The offers on the credit card landscape are constantly changing which is great news for consumers.
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In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.
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CompareCards was one of three sites that met all the criteria.
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- Regular Purchase APR 20.49%-29.49% Variable
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee $150
- Credit Needed Good / Excellent
- Card Brand American Express
- Regular Purchase APR 20.49%-29.49% Variable
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee $150
- Credit Needed Good / Excellent
- Card Brand American Express
Highlights
- Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025.
- Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass® Card.
- 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 Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 4X Points for each dollar on U.S. Online Retail Purchases.
- Earn 3X Points for all other eligible purchases on your Card.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
- Enjoy complimentary Hilton Honors ™ Gold Status with your Hilton Honors American Express Surpass® 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.
- Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $150 annual fee.
- Terms Apply.
Card Fees
Foreign Transaction Fee
None
Balance Transfer Fee
N/A
Penalty APR
29.99% Variable
Ongoing Information
Rewards Rate
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 4X Points for each dollar on U.S. Online Retail Purchases. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Annual Fee
$150
Expert Reviews
From the CompareCards.com Editorial Team, updated on Sep 19, 2024
The Hilton Honors American Express Surpass® Card is a top travel rewards card for anyone who frequently stays at Hilton hotels.
On top of the big welcome offer, the ongoing rewards rates on this card can help you rack up a lot of points: 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 4X Points for each dollar on U.S. Online Retail Purchases. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
This card also rewards your loyalty with the chance to earn Hilton Honors™ Diamond Status after you spend $40,000 on eligible purchases on your Card in a calendar year. There is an annual fee of $150, but that can easily be offset by the generous rewards you earn with this card.
Expert Reviews of the Hilton Honors American Express Surpass® Card
The Bottom Line
The Hilton Honors American Express Surpass® Card is packed with rewards and benefits. Whether you're already a loyal Hilton customer or just looking to earn great travel rewards, this card could be a great choice. To see rates & fees for Hilton Honors American Express Surpass® Card, please click here.
The Good
The welcome offer is among the best we've seen. Plus, the ongoing rewards rate is extremely high.
The Not so Good
If you don't plan on staying at Hilton properties, the rewards may be difficult to redeem.
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
OFFER RATING
/5.0
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How CompareCards Gets Paid
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- Rewards Rate Earn 3x Bilt Points on dining, 2x points on travel, and 1x points on other purchases, and rent (up to 100,000 points each calendar year) Earn double points on Rent Day (excluding rent) up to 1,000 bonus points Use the card 5 times each statement period to earn points
- Rates and Fees No annual fee and no foreign transaction fees
- Extra Benefits Enjoy Cellular Telephone Protection and Purchase Security with the Bilt World Elite Mastercard®
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Mastercard®
- Rewards Rate Earn 3x Bilt Points on dining, 2x points on travel, and 1x points on other purchases, and rent (up to 100,000 points each calendar year) Earn double points on Rent Day (excluding rent) up to 1,000 bonus points Use the card 5 times each statement period to earn points
- Rates and Fees No annual fee and no foreign transaction fees
- Extra Benefits Enjoy Cellular Telephone Protection and Purchase Security with the Bilt World Elite Mastercard®
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Mastercard®
Highlights
- Select 'Apply Now' to learn more about the product features, terms and conditions
- A credit card that lets you earn points on rent payments at any property without the transaction fee.
- $0 Annual Fee
- Earn 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year
- Earn 3x points on dining
- Earn 2x points on travel
- Earn 1x points on other purchases
- Earn double points on the first of each month (excluding rent, up to 1,000 bonus points)
- Use the card 5 times each statement period to earn points
- Earn up to 5x Bilt points on Lyft rides when you link your Bilt account and pay with your Bilt card
- Point redemptions include airlines, hotels, future rent payments, credit card statements, toward a down payment on a home, etc.
See additional details for Bilt World Elite Mastercard®
- Welcome Offer Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
- Rewards Rate Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
- Travel Perks Earn a $50 annual statement credit with $50 minimum airline purchase.
- Annual Fee $95
- Credit Needed Good / Excellent
- Card Brand Visa®
- Welcome Offer Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
- Rewards Rate Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
- Travel Perks Earn a $50 annual statement credit with $50 minimum airline purchase.
- Annual Fee $95
- Credit Needed Good / Excellent
- Card Brand Visa®
Highlights
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
- Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
- $95 annual fee.
- Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
- Earn a $50 annual statement credit with $50 minimum airline purchase.
- Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
See additional details for Wells Fargo Autograph Journey℠ Card
Our pick for choosing your own cash back rewards
- Intro APR 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.74% - 28.74% Variable APR will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- Sign-Up Bonus $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Rewards Rate 3% cash back in the category of your choice. 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. 1% cash back on all other purchases.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
- Intro APR 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.74% - 28.74% Variable APR will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- Sign-Up Bonus $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Rewards Rate 3% cash back in the category of your choice. 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. 1% cash back on all other purchases.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
Highlights
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.74% - 28.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
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