Credit Cards » Credit Card Reviews » Hilton Honors American Express Surpass Card Review 2024
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Hilton Honors American Express Surpass Card Review 2024

The Hilton Honors Surpass card offers automatic gold elite status, free night award and other travel benefits. But, there are drawbacks.
Author: Andrew O'Malley
Andrew O'Malley

Writer, Contributor

Experience

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
Interest Rates Last Update: June 3, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Andrew O'Malley
Andrew O'Malley

Writer, Contributor

Experience

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
Interest Rates Last Update: June 3, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card

Rewards Plan

3X – 12X Earn 12x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 6x Points on dining at U.S. restaurants , and for takeout and delivery in the U.S, on groceries at U.S. supermarkets and at U.S. gas stations. Earn 4X Points for each dollar on U.S. Online Retail Purchases and 3X Points on all other purchases

Welcome Bonus

130,000 points 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership

Our Rating

4.3
4.3/5

0% Intro

N/A

Annual Fee

$150

APR

20.99% – 29.99% variable
Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card

Rewards Plan

3X – 12X Earn 12x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 6x Points on dining at U.S. restaurants , and for takeout and delivery in the U.S, on groceries at U.S. supermarkets and at U.S. gas stations. Earn 4X Points for each dollar on U.S. Online Retail Purchases and 3X Points on all other purchases

Welcome Bonus

130,000 points 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership

Our Rating

4.3
4.3/5

PROS

CONS

APR

20.99% - 29.99% variable

Annual Fee

$150

0% Intro

N/A

Credit Requirements

Good - Excellent

The Hilton Honors American Express Surpass Card is a suitable option for frequent Hilton guests seeking a co-branded credit card with a reasonable annual fee and valuable perks, without the high cost associated with the top-tier Hilton Honors American Express Aspire Card.

Cardholders earn Earn 12x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 6x Points on dining at U.S. restaurants , and for takeout and delivery in the U.S, on groceries at U.S. supermarkets and at U.S. gas stations. Earn 4X Points for each dollar on U.S. Online Retail Purchases and 3X Points on all other purchases.

Cardholders also receive complimentary Hilton Honors Gold status, which includes benefits such as room upgrades, late check-out, 80% points earning Bonus on Stays, fifth night free, and daily food and beverage credit or continental breakfast.

Redeeming points with Hilton can be flexible, focusing on free nights or using the Points & Money option. The card comes with no foreign transaction fees and additional benefits like free two-day shipping and rental car insurance.

However, there is $150 annual fee and while the points rewards ratio is good, the value of Hilton points is about 0.6 cent, the lowest compared to other hotel cards.

Are there restrictions on redeeming Hilton Honors points?

Hilton uses dynamic pricing, but points can be redeemed for free nights or with the Points & Money option.

How do I achieve Hilton Diamond status with the Hilton Surpass Card?

Spend $40,000 on the card in a calendar year to qualify for Hilton Diamond statu

Can I still get the welcome bonus if I already have another Hilton credit card?

Yes, having another Hilton credit card doesn't disqualify you from the welcome bonus.

What are the key perks of Hilton Honors Gold status?

Gold status includes benefits like room upgrades, an 80% points bonus on paid stays, and complimentary breakfast

Can I combine Hilton Honors points with others for an award stay?

Yes, you can pool points with up to 10 other Hilton Honors members.

Does the card offer rental car insurance?

Yes, the Hilton Surpass Card provides secondary rental car insurance up to $50,000 for theft or damage.

Are there alternative credit cards for earning Hilton rewards?

Yes, other options include the Hilton Honors American Express Card with no annual fee and the Hilton Honors American Express Aspire Card with luxury perks.

How does the Hilton Surpass Card compare to other hotel credit cards?

The Hilton Surpass Card offers a solid balance of benefits and rewards, but it's essential to evaluate alternatives based on individual preferences and travel habits

Book hotel with Hilton Surpass card points
Book hotel with Hilton Surpass card points (screenshot from Hilton app)

In this Review

Estimating Your Rewards: A Practical Simulation

In the following table, you will find a simulation that provides an overview of the expected rewards for the Hilton Honors Amex Surpass card.

This breakdown is based on both general usage and spending across various categories. By utilizing this table, you can gain a better understanding of the potential benefits that come with using this particular credit card.

It's important to note that the figures presented in this simulation are estimates, and actual rewards may vary depending on individual spending habits and other factors.

Hilton Honors American Express Surpass® Card

Spend Per Category
Hilton Honors American Express Surpass® Card
$10,000 – U.S Supermarkets
60,000 points
$4,000 – Restaurants
24,000 points
$4,000 – Airline
12,000 points
$5,000 – Hotels
60,000 points
$4,000 – Gas
24,000 points
Estimated Total Annual Points
180,000 Points

Pros and Cons

Just like any other credit card, the Hilton Honors Surpass has some advantages and disadvantages:

Pros
Cons
Generous Rewards Program + Welcome Bonus
Annual Fee
Complimentary Hilton Honors Gold Status
Low Point Value
10 Complimentary Airport Lounge Visits
No Travel Credit
No Foreign Transaction Fees
Free Night Reward

The card offers Earn 12x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 6x Points on dining at U.S. restaurants , and for takeout and delivery in the U.S, on groceries at U.S. supermarkets and at U.S. gas stations. Earn 4X Points for each dollar on U.S. Online Retail Purchases and 3X Points on all other purchases.

Redeem Hilton points for Hilton hotel at 6th Avenue New York
Hilton hotel at 6th Avenue New York

Cardholders can earn a free night reward after spending $15,000 on purchases in a calendar year.

The card has no foreign transaction fees, making it a good option for international travel.

New cardholders can earn 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership.

Surpass® Card Members can receive free National Car Rental® Emerald Club Executive® status. This includes benefits like access to the Executive Area (for full-size reservations and above) in the USA and Canada. Enrollment is required.

Cardholders receive complimentary Hilton Honors Gold status, which provides benefits such as room upgrades, free breakfast, and late check-out.

HiltonHonors status progress gold
HiltonHonors status progress gold (screenshot taken by our team from Hilton app)

cardholders receive 10 complimentary visits and enjoy access to over 1,200 Priority Pass airport lounges in more than 130 countries each  Membership year.

Editorial Note: Terms apply to American Express benefits and offers. Enrollments may be required for select benefits. Visit americanexpress.com to learn more

The card has an annual fee of $95 (see rates & fees).

Hilton offers about $0.6 per point, the lowest value compared to other hotel card or general travel cards.

The card doesn't offer premium benefits such as airline fee credit or property credit. 

Insurance And Travel Protections

The Hilton Honors American Express Surpass Card offers various travel protections, including:

  • Extended Warranty: Use your Eligible Card for Covered Purchases and benefit from an extended warranty, matching the Original Manufacturer's Warranty for up to one additional year on warranties of 5 years or less in the United States or its territories.
  • Car Rental Loss and Damage Insurance: When using your eligible Card to reserve and pay for a rental vehicle, and declining the collision damage waiver, you're covered for damage or theft in a covered territory. Exclusions apply, and the coverage is secondary without liability coverage.

  • Global Assist® Hotline: As a Card Member, access the Global Assist® Hotline for travel assistance over 100 miles from home, providing services like lost passport replacement, translation, missing luggage, and emergency legal and medical referrals. Costs from third-party service providers are the Card Member's responsibility.
  • Dispute Resolution: If faced with unrecognized charges or billing issues, American Express collaborates with you and the merchant to resolve the problem promptly.

  • Purchase Protection: Covered Purchases made with your Eligible Card are protected for up to 90 days from the purchase date, covering theft or accidental damage, with limits of up to $1,000 per occurrence and $50,000 per calendar year.

Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
70,000 points 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
70,000 points 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Unlocking Rewards: Points Redemption Options

With the Hilton Honors American Express Surpass Card, you can redeem your Hilton Honors points for a variety of rewards, including free hotel stays, experiences, merchandise, and more. Here are some of the redemption options available to cardholders:

  • Free hotel stays: One of the most obvious ways to redeem Hilton Honors points is by using them for free hotel nights at any of the 6,800 Hilton hotels and resorts worldwide. Use the Hilton search tool to check for award availability.

  • Experiences: Hilton Honors offers unique experiences, such as VIP concert tickets, culinary experiences, and sporting events, that can be purchased using your points.

  • Shopping: You can use your points to purchase merchandise, such as electronics, fashion, and home goods, through the Hilton Honors shopping portal. 

  • Travel: You can use your points to book flights, car rentals, and other travel-related expenses through the Hilton Honors travel portal.

  • Transferring points: With the Hilton Honors program,  can transfer your points to other loyalty programs, such as airline or hotel partners, for even more redemption options.

hilton select a room and pay in points
Example: Hilton hotel stay order with points (Screenshot from hilton.com)
Book experience with Hilton Surpass card points
Book experience with Hilton Surpass card points (screenshot taken by our team from Hilton website)

Is This Card Right for You?

The Hilton Honors American Express Surpass Card is a great option for those who frequently stay at Hilton properties and want to earn rewards on their hotel stays and everyday purchases. Here are some situations where you may want to consider the Hilton Honors American Express Surpass Card:

  • You frequently stay at Hilton hotels: If you're a frequent traveler and often stay at Hilton properties, the Hilton Honors American Express Surpass Card can provide significant rewards and benefits.

  • You want to earn rewards also on everyday purchases: With bonus points on U.S. restaurants, U.S. supermarkets, and U.S. gas stations, the Hilton Honors American Express Surpass Card is a great option for those who want to earn rewards on their everyday purchases.

  • You want automatic elite status: The card comes with automatic Gold status with Hilton Honors, which includes benefits such as room upgrades and late check-out.

You can look at additional Hilton cards if it's not the right card for your needs.

How It Compared To Other Hilton Cards?

The Hilton Honors American Express Surpass Card stands among several Hilton-branded credit cards, each catering to distinct traveler preferences and spending habits. In comparison to other Hilton cards, the Surpass Card offers a compelling balance of rewards and benefits.

For those desiring no annual fee and focusing on earning Hilton rewards, the Hilton Honors American Express Card is an alternative. While it lacks the extensive perks of the Surpass, it's an attractive option for occasional Hilton stays and straightforward rewards accrual.

On the luxury end, the Hilton Honors American Express Aspire Card caters to high-spending travelers. With a $550 annual fee, it offers Hilton Diamond status, airline fee credits, and a Hilton resort credit, making it ideal for those seeking premium benefits and indulgent stays.

The best fit for each card depends on individual preferences and travel habits. The Surpass Card suits semi-regular Hilton guests looking for a solid balance between benefits and affordability

Card
Rewards
Bonus
Annual Fee

hilton honors card

3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
70,000 points 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card
3X – 12X Earn 12x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 6x Points on dining at U.S. restaurants , and for takeout and delivery in the U.S, on groceries at U.S. supermarkets and at U.S. gas stations. Earn 4X Points for each dollar on U.S. Online Retail Purchases and 3X Points on all other purchases
130,000 points 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership

Hilton Honors American Express Aspire Card

Hilton Honors American Express Aspire Card
3x – 14x 14X Hilton Honors bonus points when you make eligible purchases on your card at participating hotels or resorts within the Hilton Portfolio, 7X Hilton Honors bonus points on eligible purchases on your card for: Flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies and U.S. restaurants, 3X Hilton Honors bonus points on other eligible purchases
150,000 points 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 Months of Card Membership
$550

How To Apply For The Hilton Honors Surpass Card?

Here are the steps to apply for the Hilton Honors American Express Surpass Card:

  1. Visit the American Express website: Navigate to the American Express website and search for the Hilton Honors American Express Surpass Card.

  2. Submit your application: Complete the online application form with your personal and financial information. If you have a credit score of at least 680, there is a good chance for approval.

  3. Wait for a decision: After submitting your application, American Express will review your application and may request additional information. If approved, you'll receive your card in the mail within 5-10 days.

  4. Activate your card: Once you receive your card, you'll need to activate it online or by phone before you can start using it.

Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Compare Hilton Honors Amex Surpass Card

The Surpass card boasts a notably higher annual fee, justified by its superior rewards ratio and benefits compared to the Hilton Honors card.

Hilton Honors vs. Hilton Surpass Card: How They Compare?

If you can maximize your points, rewards, and benefits, the Hilton Aspire is our winner. But, if your spend is not so high – the Surpass wins.

Hilton Honors Surpass vs. Hilton Aspire Card: How They Compare?

The Hilton Amex Surpass is our winner as it offers higher estimated total cashback than the Marriot Boundless card and additional hotel perks.

Marriott Bonvoy Boundless vs. Hilton Amex Surpass: Side By Side Comparison

The Hilton Honors Surpass wins at estimated cashback, while the Amex Gold card is the winner for everyday spending and extra benefits.

Amex Gold Card vs. Hilton Honors Surpass: How They Compare?

Despite having a higher annual fee, the Hilton Surpass card is our winner with higher estimated annual cashback and better extra hotel perks.

IHG One Rewards Premier vs. Hilton Amex Surpass: Side By Side Comparison

The Hilton Surpass and World of Hyatt card are two of the best medium tier hotel cards with great cash back rates and extra hotel perks.

World of Hyatt Card vs. Hilton Amex Surpass: Side By Side Comparison

Picture of Andrew O'Malley

Andrew O'Malley

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
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Best Cards Per Category
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.