Hilton Honors American Express Surpass® Card Review
The Hilton Honors American Express Surpass® Card 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. 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.
Our Rating
4.5/5.0
Welcome Offer
150,000 Hilton Honors Bonus Points + Free Night Reward
Annual Fee
$95
0% on Purchases
Reward Rate
3x to 12x points
0% on Balance Transfers
Welcome Offer
Earn 150,000 Hilton Honors Bonus Points + a Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 3 months of Card Membership.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, Airport Lounge Access, Luggage Protection |
Rewards
Interest Rates & Fees
| Annual Fee | $95 |
| Foreign Transaction Fee | None |
| Regular APR | 20.74% to 29.74% (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.
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 a number of factors in their underwriting process, and these factors can change at any time.
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 10/02/2022 | Experian | ||
| Approved | 10/25/2022 | Experian | ||
| Approved | 02/07/2022 | Experian | ||
| Approved | 10/25/2022 | TransUnion | ||
| 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 | ||
| Denied | 10/09/2021 | Equifax | ||
| Denied | 10/09/2021 | Experian | ||
| Denied | 10/09/2021 | TransUnion |
- 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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