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Hilton Honors American Express Surpass® Card

Credit needed
Good
APR
Variable: 15.74%-24.74%
Annual Fee
$95

Card Summary

American Express' Hilton Honors Surpass Card is a credit card for hotel rewards that allows cardholders to earn hotel points on purchases. Cardholders earn as much as 12 points per $1 depending on how and where they use their card.

Cardholders who have the Hilton Honors Surpass Card by American Express will instantly receive Hilton Honors Gold status. This includes free room upgrades, five-night stays for more than 5, complimentary internet access, and early checkout.

The variable purchase APR for this card is 16.24 to 20.24%, depending on creditworthiness of the cardholder and prime rate. An annual fee is $75.

After making $3,000 of purchases with the card, cardholders will earn 130,000 Hilton Honors bonus points. Benefits for cardholders include extended warranty coverage, purchase protection and car rental loss/damage insurance.

Card Summary - Cons

Rates and fees

Issuer Name
American Express
Penalty APR
Variable: 29.99%
Credit Needed
Good
Balance Transfer Fee
N/A
Annual Fee
$95
Cash Advance Fee
You can choose to pay $10 or 5%, depending on the cash advance amount.
APR
Variable: 15.74%-24.74%
Foreign Transaction Fee
None
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American Express

The Best Features

12X Points: For every dollar spent at eligible Hilton hotels or resorts, cardholders will earn 12x points Hilton Honors Gold cardholders receive complimentary Hilton Honors Gold status.

You will receive a 25% bonus on your base points with Hilton Honors and room upgrades when they are available. Additionally, you'll get a fifth night for standard rooms rewards stays longer than five nights.

Diamond status: Cardholders who spend $40,000 with eligible purchases made using the Hilton Honors Surpass Card by American Express in a calendar year can be awarded Hilton Honors Diamond status until the end of next calendar year.

Hilton Honors Diamond status offers all the same benefits as Gold, with a 50% bonus on base points earned through Hilton Honors. It also includes exclusive access to select floors at Hilton Honors properties.

Rewards

Sign up bonus

APR Requirements

Drawbacks

Annual fee: American Express charges $75 for the Hilton Honors Surpass Card.

To upgrade to Diamond status you will need to spend $40,000 annually.

Highlights

After you earn 130,000 Hilton Honors bonus points with your Hilton Honors American Express Surpass® Card, and make eligible purchases of $2,000 within 3 months, Hilton Honors offers a weekend night reward for purchases of $15,000 or more on the Card within a calendar year.

For every dollar spent on your Hilton Honors Card with any hotel or resort in the Hilton portfolio, you will earn 12X Hilton Honors bonus points.
For every dollar spent on eligible U.S. restaurant, supermarket, or gas station purchases, earn 6X Hilton Honors bonus points.

For all eligible purchases made on your card, you will earn 3X Hilton Honors bonus points. Spend $40,000 in eligible purchases with your Card within a calendar year to earn Hilton Honors Diamond status until the end of next calendar year.

Annual fee of $95. These terms and conditions apply.

Benefits

Hilton Honors Surpass card from American Express will give you complimentary Hilton Honors Gold status and benefits such as room upgrades when available, free 5th night stays on all reward hotel bookings over five nights.

Other benefits include access to over 700 airport lounges and a hotline for roadside assistance, as well as car rental damage and insurance. You can also get travel insurance that includes global assistance, baggage insurance and travel accident insurance.

You can also get extended warranty coverage, return protection and purchase protection.

Comparative Analysis with Other Cards

Hilton Honors Surpass card from American Express vs. Chase Marriott Rewards Premier Credit Card

Annual fee: American Express' Hilton Honors Surpass Card has a $75 annual fee. Chase Marriott Rewards Premier Credit Card - $85 Annual Fee. This fee is waived the first year.

Reward: American Express' Hilton Honors Surpass Card offers twelve points for every dollar spent in participating Hilton Hotels and Resorts. It also gives six points per $1 spent in U.S. grocery stores, gas stations and restaurants. All other purchases earn three points each dollar.

The Chase Marriott Rewards Premier Credit card earns you five points for every dollar spent at Marriott or Starwood Preferred Guest hotels, resorts and restaurants, as well as two points for directly purchasing airfare and car rental. All other purchases are worth one point.

Sign-up offer: Hilton Honors Surpass Card by American Express: 130,000 Hilton Honors bonus points after you spend $3,000 in the first three months. Chase Marriott Rewards Premier Credit Card provides 75,000 bonus points for spending $3,000 in the first 3 months.

Benefits: With the Hilton Honors Surpass Card by American Express, you can enjoy hotel upgrades and car rental insurance. You also get baggage insurance.

Chase Marriott Rewards Premier Credit Card provides an annual complimentary night hotel, trip cancellation, interruption insurance, baggage delay, reimbursement for lost luggage, trip delay reimbursement and purchase protection.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

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American Express