Hilton Honors™ Surpass® Card from American Express

Apply by phone: 800-297-6700
  • Earn 75,000 Hilton Honors™ Bonus Points after you spend $3,000 in purchases on the Card within your first 3 months of Card Membership.
  • 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. 
  • Visit our credit card partner’s site in order to learn more and securely apply for the Hilton Honors™ Surpass® Card from American Express    
Annual Fee:
$75
Purchase Intro APR:
N/A
Purchase Regular APR:
16.24% - 20.24%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
16.24% - 20.24%*
Variable

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 26.24%
Cash Advance Fee 3%, Min: $5
Late Fee Up to $38
Penalty APR 29.99%
Balance Transfer Fee 3%, Min: $5
Foreign Transaction Fee 2.7%
Return Payment Fee Up to $38

Rewards

Sign-Up Bonus

Earn 75,000 points after you spend $3,000 in 3 months.

All Purchases

3 points per dollar

No cap on spending

Gas

6 points per dollar

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.

Groceries

6 points per dollar

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.

Restaurants

6 points per dollar

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.

Entertainment

12 points per dollar

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


Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Review
jagrawr
Excellent sign up bonus
by jagrawr
Helpful to 2 out of 2

Signed up for this card with a 100k Hilton Honors points sign up bonus after $3k spend in 3 months, as well as earn a free weekend night on the anniversary of card approval. Because I value Hilton Honors points at half a cent per point and a free weekend night at $250 based on my particular habits, I value the overall sign up bonus as being worth $750. With a $75 annual fee (that I would have to pay twice to get the free weekend night), my net value from the sign up bonus would be $600. Past the sign up bonus, I don't really find much value from the card and don't see myself keeping it past two years. i will likely downgrade to the no fee Hilton HHonors card when my 3rd annual fee comes due. 

Some of the most compelling benefits of the Surpass card include earning 12X points for Hilton purchases and complimentary Hilton HHonors Gold status. I already had Hilton Gold status prior to having this card, so that benefit didn't make a difference for me. As for earning 12X points, I don't take advantage of it because of the 2.7% foreign transaction fee. While I stay at Hilton properties a fair amount, most of my travel is inernational, not domestic, so I opt to use cards without foreign transaction fees over this one even when booking Hilton properties. Furthermore, unlike the Citi Hilton HHonors Reserve card, the free weekend night is a one-time benefit, not an annual one with minimum spend. 

Overall, the Amex Hilton Honors Surpass has an excellent sign up bonus, but, for me, not worth keeping once those sign up bonuses have been earned due to the presence of foreign transaction fees. 

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
jagrawr
Excellent sign up bonus
by jagrawr
Helpful to 2 out of 2

Signed up for this card with a 100k Hilton Honors points sign up bonus after $3k spend in 3 months, as well as earn a free weekend night on the anniversary of card approval. Because I value Hilton Honors points at half a cent per point and a free weekend night at $250 based on my particular habits, I value the overall sign up bonus as being worth $750. With a $75 annual fee (that I would have to pay twice to get the free weekend night), my net value from the sign up bonus would be $600. Past the sign up bonus, I don't really find much value from the card and don't see myself keeping it past two years. i will likely downgrade to the no fee Hilton HHonors card when my 3rd annual fee comes due. 

Some of the most compelling benefits of the Surpass card include earning 12X points for Hilton purchases and complimentary Hilton HHonors Gold status. I already had Hilton Gold status prior to having this card, so that benefit didn't make a difference for me. As for earning 12X points, I don't take advantage of it because of the 2.7% foreign transaction fee. While I stay at Hilton properties a fair amount, most of my travel is inernational, not domestic, so I opt to use cards without foreign transaction fees over this one even when booking Hilton properties. Furthermore, unlike the Citi Hilton HHonors Reserve card, the free weekend night is a one-time benefit, not an annual one with minimum spend. 

Overall, the Amex Hilton Honors Surpass has an excellent sign up bonus, but, for me, not worth keeping once those sign up bonuses have been earned due to the presence of foreign transaction fees. 


Our Take

American Express is a Credit Karma partner

If you’re a frequent traveler, the Hilton Honors™ Surpass® Card from American Express is definitely worth considering.

What to Like

The Hilton Honors™ Surpass® Card from American Express offers all sorts of rewards. For starters, cardholders can get 75,000 Hilton Honors™ Bonus Points after spending $3,000 in purchases in the first 3 months. You can also earn 12x points at participating hotels and resorts, 6x points at U.S. restaurants, supermarkets and gas stations and 3x points on all other purchases.

Look Out For

This card comes with a $75 annual fee. There are also balance transfer and foreign transaction fees, and a high Penalty APR that can be applied after missed payments.

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‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from December 2016 through May 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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