The Hilton Honors American Express Surpass® Card is designed for travelers who often stay at Hilton hotels and want to quickly earn points for free nights, room upgrades, and other perks. With a robust rewards package, automatic Gold status in the Hilton Honors program, and access to travel benefits, it stands out as a mid-tier option between Hilton’s entry-level and premium cards.
That’s why it can be ideal for frequent travelers who want to turn everyday spending into exclusive perks at more than 7,000 Hilton properties worldwide. See if it fits your travel style!
Points Program
The card offers an accelerated points-earning program, especially for purchases made within the Hilton network. As one of its main selling points, it’s especially attractive for frequent travelers. Currently, the earning rates are:
- 12x Hilton Honors points for every dollar spent at Hilton hotels and resorts.
- 6x points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
- 3x points on all other eligible purchases.
In addition, it comes with a welcome bonus, typically between 130,000 and 150,000 points after meeting the minimum spending requirement (varies by offer).
Additional Benefits
The Hilton Honors American Express Surpass® also includes appealing extra perks, such as:
- Automatic Hilton Honors Gold status for as long as you hold the card.
- Upgrade to Diamond status after spending $40,000 in a calendar year.
- 10 complimentary Priority Pass™ lounge visits per year (activation required).
- Beyond accelerated earning, the Hilton Honors AmEx Surpass® offers benefits that enhance its value:
- Free Night Reward after spending $15,000 in a year, redeemable at many Hilton hotels.
- Gold status benefits, including free breakfast or food & beverage credits at participating hotels, room upgrades when available, and bonus points on stays.
- Travel protections such as secondary rental car insurance, global emergency assistance, and coverage for lost or damaged baggage.
- No foreign transaction fees, making it ideal for use abroad.
- Digital account management tools through the American Express app and website.
In practice, this is a credit card tailored for travelers and those seeking a higher level of perks.
Rates and Terms
Before applying for the Hilton Honors American Express Surpass®, it’s important to understand the fees and rates that come with it.
The card has a $150 annual fee, along with a variable APR, usually between 20.99% and 29.99%, depending on creditworthiness. While there are no foreign transaction fees, balance transfers may incur additional charges.
There are no extra fees for redeeming points, and you have flexibility to use rewards for hotel stays, experiences, or travel partners.
All rates and fees are subject to change, so it’s worth checking the latest details before applying.
Who Is It For?
The Hilton Honors AmEx Surpass® is ideal for frequent travelers who regularly stay at Hilton properties. It also appeals to customers who want automatic Gold status without having to earn qualifying nights.
Even for those who don’t travel extensively but want to earn points faster on everyday spending, the card can still be a good match. For international travelers, the no foreign transaction fee is a valuable bonus.
It’s worth noting that the credit requirements generally call for a good to excellent profile, with a score above 670. Your credit history and score will be considered during the approval process.
How to Apply for the Hilton Honors American Express Surpass®
If the Hilton Honors American Express Surpass® sounds like a good fit for you, here’s the step-by-step process to apply:
- Go to the American Express website.
- Select the Hilton Honors AmEx Surpass®.
- Fill out the application with your personal details, income, and credit information.
- Wait for the credit review, which is usually quick.
- Once approved, receive your card in up to 7 business days.
- Activate it and start earning points from your first purchase.
Is the Hilton Honors AmEx Surpass® Credit Card Worth It?
For travelers who often stay at Hilton hotels, this card delivers consistent benefits and quick returns on points, making it worth considering.
With a generous rewards program offering up to 12x points in certain categories, it’s among the top hotel credit cards for earning potential. It also offers valuable perks like VIP lounge access and no foreign transaction fees.
While the annual fee and credit requirements may be a consideration, it’s a well-rounded card that can appeal to high-value customers looking to enjoy elite status at a relatively low cost.
All information in this and other BOISLA articles is subject to change over time. Please check for updates directly with the institutions and companies mentioned. Approval is subject to the institution’s review.
REFERENCES:
https://www.americanexpress.com
Read more about credit cards in https://boisla.com/category/credit-cards
