Rewards Plan
Welcome Bonus
Credit Rating
0% Intro
Annual Fee
APR
- Complimentary Hilton Honors Gold Status
- 10 Airport Lounge Visits
- Low Point Value
- No Travel Credit
Rewards Plan
Welcome Bonus
0% Intro
PROS
- Complimentary Hilton Honors Gold Status
- 10 Airport Lounge Visits
CONS
- Low Point Value
- No Travel Credit
APR
20.24% - 29.24% variable
Annual Fee
$95
Balance Transfer Fee
N/A
Credit Requirements
Good - Excellent
The Hilton Honors American Express Surpass Card is a hotel rewards credit card for those who frequently stay at Hilton properties. This card offers a range of benefits, including bonus points on Hilton purchases, automatic elite status, and valuable travel perks.
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 restaurants worldwide, and for takeout and delivery in the U.S. Earn 6x Points on groceries at U.S. supermarkets. Earn 6x Points on gas at U.S. gas stations. Earn 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.
However, there is $95 annual fee and while the points rewards ratio is good, the value of Hilton points is about $0.6, the lowest compared to other hotel cards.
- Generous Rewards Program + Welcome Bonus
- Complimentary Hilton Honors Gold Status
- 10 Complimentary Airport Lounge Visits
- No Foreign Transaction Fees
- Free Night Reward
- Annual Fee
- Low Point Value
- No Travel Credit
XX
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.
| |
|---|---|
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 |
- Generous Rewards Program
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 restaurants worldwide, and for takeout and delivery in the U.S. Earn 6x Points on groceries at U.S. supermarkets. Earn 6x Points on gas at U.S. gas stations. Earn 3X Points on all other purchases.
- Welcome Bonus
New cardholders can earn 150,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership.
- Complimentary Hilton Honors Gold Status
Cardholders receive complimentary Hilton Honors Gold status, which provides benefits such as room upgrades, free breakfast, and late check-out.
- 10 Complimentary Airport Lounge Visits
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
- Free Night Reward
Cardholders can earn a free night reward after spending $15,000 on purchases in a calendar year.
- No Foreign Transaction Fees
The card has no foreign transaction fees, making it a good option for international travel.
- Annual Fee
The card has an annual fee of $95.
- Low Point Value
Hilton offers about $0.6 per point, the lowest value compared to other hotel card or general travel cards.
- No Travel Credit
The card doesn't offer premium benefits such as airline fee credit or property credit.
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.
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.
Card | Rewards | Bonus | Annual Fee | |
|---|---|---|---|---|
| 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
| 100,000 points
100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership
| $0 (Rates & Fees) | |
| 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 restaurants worldwide, and for takeout and delivery in the U.S. Earn 6x Points on groceries at U.S. supermarkets. Earn 6x Points on gas at U.S. gas stations. Earn 3X Points on all other purchases
| 150,000 points
150,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership
| $95 (Rates & Fees) |
| 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
| 165,000 points
165,000 Hilton Honors Bonus Points after you spend $5,000 in purchases on the Card within your first 3 Months of Card Membership
| $450 |
How To Apply For The Hilton Honors Surpass Card?
Here are the steps to apply for the Hilton Honors American Express Surpass Card:
Visit the American Express website: Navigate to the American Express website and search for the Hilton Honors American Express Surpass Card.
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.
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.
Activate your card: Once you receive your card, you'll need to activate it online or by phone before you can start using it.
