Rating: 5 Stars
Bottom Line:
Starter Rewards for Hilton Travelers
Card Details
| Regular APR: | 17.49% – 26.49% (Variable) |
| Intro APR (Purchases): | None |
| Intro APR (Balance transfers): | None |
| Rewards Rate: | Earn 12x Hilton Honors bonus points when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio Earn 6x Hilton Honors bonus points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations Earn 3x Hilton Honors bonus points on all other eligible purchases |
| Credit Needed: | (740 – 850) Excellent |
| Annual Fee: | $95 |
| Card Brand: | American Express |
*See online credit card application for details on the terms and conditions.
Offer Highlights
- Click APPLY NOW to apply online
- Earn 125,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card within your first 3 months of Card Membership
- Earn 12x Hilton Honors bonus points for each dollar of eligible purchases charged on your Card directly with a 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, at U.S. supermarkets, and at U.S. gas stations
- Enjoy complimentary Hilton Honors Gold status with your Hilton Honors Surpass Card. Plus, 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
- Enjoy one weekend night reward with your new Hilton Honors American Express Aspire Card and every year after renewal. Plus, earn an additional night after you spend $60,000 on purchases on your Card in a calendar year
- Earn a Free Weekend Night Reward from Hilton Honors when you spend $15,000 on eligible purchases on your Card in a calendar year
- Wherever your travels take you, relax with complimentary Priority Pass Select membership and get access to 1200+ airport lounges. Plus, get 10 free lounge visits every year once enrolled
Is Hilton Honors American Express Surpass worth it?
Hilton Honors American Express Surpass Card is a great $95 annual fee card for Hilton travelers that also includes a few perks, for example you get 10 free passes to Priority Pass airport lounges. For rewards, you earn 12x Hilton Honors bonus points when you make eligible purchases on your card at participating hotels or resorts within the Hilton portfolio. The card comes with complimentary Gold status, which allows you to earn 8 more points per $1 you spend with Hilton. You get 10 base points for being a member and 8 more points for Gold Status. Even when you account for the value of Hilton points being lower than average – about one half cent per point or less – in total you are receiving an excellent hotel rewards rate.
Pros
- Earn 125,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card within your first 3 months of Card Membership
- Earn 12x Hilton Honors bonus points for each dollar of eligible purchases charged on your Card directly with a 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, at U.S. supermarkets, and at U.S. gas stations
- Wherever your travels take you, relax with complimentary Priority Pass Select membership and get access to 1200+ airport lounges. You receive 10 free lounge visits every year once enrolled
- Earn a Free Weekend Night Reward from Hilton Honors when you spend $15,000 on eligible purchases on your Card in a calendar year
- No foreign transaction fees
Cons
- $95 annual fee
- Purchases made through 3rd-party booking sites will not receive 12x points – purchases must be made directly with hotels and resorts in the the Hilton portfolio to receive this rate
Why 5 Stars?
Regular APR
4 Stars
Intro APR
4 Stars
Fees
5 Stars
Perks
5 Stars
Overall
5 Stars
Fees
| Foreign Transaction Fee | None |
| Balance Transfer Fee | Either $5 or 3% of the amount of each transfer, whichever is greater |
| Cash Advance Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Penalty APR | 29.99% |
Benefits
| $0 Fraud Liability |
| Auto Rental Collision Damage Waiver |
| Baggage Insurance Plan |
| Concierge Service |
| Extended Warranty Program |
| Lost Luggage Reimbursement |
| Purchase Protection |
| Roadside Assistance |
| Travel Accident Insurance |
| Travel Assistance |
Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.
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