Hilton Honors American Express Surpass® Card Review
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The card_name is a mid-tier level travel card designed for people who travel from time to time and prefer the Hilton brand. With this card, you get a generous welcome offer and automatic Gold status. Gold status earns you extra bonus points, room upgrades when available, and complimentary breakfast. You can also get a free night when you spend $15,000 in a calendar year. When you spend $40,000 on eligible purchases on your Card in a calendar year you can earn Hilton Honors™ Diamond Status through the end of the next calendar year. There are a few new features in 2024: You can earn 4X Points for each dollar on U.S. Online Retail Purchases. You can get up to $200 back each year on eligible Hilton purchases, and complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply. If you travel a lot, you might prefer a premium credit card with more benefits. We dive into the details and your approval odds in this Hilton Honors Surpass review.
Welcome Offer
Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025. Terms Apply.
Rates & Fees
Terms Apply
Our Rating
4.5/5.0
Welcome Offer
Earn 165,000 Hilton Honors Bonus Points
Annual Fee
$150
0% Intro on Purchases
N/A
Reward Rate
3x to 12x points
0% Intro on Balance Transfers
N/A
Welcome Offer
Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025.
Editorial Review
Features & Benefits
Security | EMV Chip Enabled |
Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay, Fitbit Pay |
Benefits | Extended Warranty Coverage, Purchase Protection, ShopRunner, 24/7 customer service |
Travel Perks | Access to Special Events and Concerts, Auto Rental Collision Damage Waiver, Emergency Travel Assistance, Luggage Protection |
Rewards
Interest Rates & Fees
Annual Fee | $150 |
Foreign Transaction Fee | None |
Regular APR | 20.49% - 29.49% (V) APR |
Insurance
Extended Warranty
When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by AMEX Assurance Company.
Lost Baggage Insurance
Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by AMEX Assurance Company.
Car Rental Loss and Damage Insurance
Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
What Credit Score Is Required to Get the Hilton Honors American Express Surpass® Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 668
Average Approved Credit Score: 757
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 10/02/2022 | Experian | ||
Approved | 10/25/2022 | Experian | ||
Approved | 02/07/2022 | Experian | ||
Approved | 03/28/2023 | Experian | ||
Approved | 10/25/2022 | TransUnion | ||
Approved | 04/10/2024 | TransUnion | ||
Approved | 04/10/2024 | Experian | ||
Approved | 04/10/2024 | Equifax | ||
Approved | 12/11/2023 | TransUnion | ||
Approved | 12/11/2023 | Equifax | ||
Approved | 12/11/2023 | Experian | ||
Approved | 04/13/2024 | Experian | ||
Approved | 04/13/2024 | Equifax | ||
Approved | 04/13/2024 | TransUnion | ||
Approved | 08/03/2023 | Equifax | ||
Approved | 08/03/2023 | TransUnion | ||
Approved | 08/03/2023 | Experian | ||
Approved | 09/21/2022 | Equifax | ||
Approved | 09/21/2022 | TransUnion | ||
Approved | 09/21/2022 | Experian | ||
Approved | 02/07/2022 | TransUnion | ||
Approved | 02/07/2022 | Equifax |
Pros & Cons
- Welcome offer
- No foreign transaction fee
- Earn up to 12x points
- Annual fee
- High APR
- Requires good credit
What Are the Best Alternatives?
Chase Sapphire Preferred® Card
Rating
4.9
Rewards Range
1x - 5x points
Annual Fee
$95
Capital One Venture X Rewards Credit Card
Rating
4.9
Rewards Range
2x - 10x
Annual Fee
$395
Marriott Bonvoy Brilliant® American Express® Card
Rating
4.4
Rewards Range
2x - 6x points
Annual Fee
$650
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To view rates and fees of the Hilton Honors American Express Surpass® Card, see this page.