This article includes everything you need about the Hilton Honors American Express Surpass. It highlights the card’s standout features, rewards, and benefits to help you decide if it’s the right fit.
You’ll also find details on earning points, perks, and how to maximize value. Whether you’re a frequent traveler or looking to boost rewards, this guide covers everything.
Key Benefits and Features of the Hilton Honors American Express Surpass Card
This section outlines the essential features of this card to help you understand its value. From earning rewards to exclusive perks, key details are summarized below.
Sign-Up Bonus
You can earn 165,000 Hilton Honors Bonus Points after spending $3,000 on purchases within the first six months. This offer ends on January 8, 2025.
These bonus points provide significant value for Hilton stays, making it ideal for frequent travelers. Be sure to meet the spending requirement to unlock this benefit.
Earning Points
Earn 12X points on eligible Hilton hotel and resort bookings. Get 6X points on dining, groceries, and gas purchases at U.S. locations. U.S. online retail purchases earn 4X points, and other purchases provide 3X points per dollar.
These rewards let you maximize everyday spending for travel benefits.
Annual Fee
The card has a $95 annual fee, offset by rewards and perks. Benefits include automatic Gold status, access to airport lounges, and statement credits for Hilton purchases.
The fee also supports earning a Free Night Reward and valuable travel insurance protections. For frequent Hilton guests, the value far exceeds the cost.
Bonus Categories
Earn bonus points in high-spending categories such as dining, groceries, and gas stations. Hilton properties and resorts provide the highest multiplier of 12X points.
U.S. restaurants and supermarkets offer 6X points, making daily purchases more rewarding. Online retail spending also earns points, boosting rewards further.
Understanding Interest Rates and Fees
This section covers the card’s interest rates and associated fees. Learn about APR details and international transaction policies.
APR for Purchases
The APR for purchases ranges from 19.99% to 28.99%, depending on your creditworthiness. This rate is variable and may change based on market conditions.
Timely payments can help you avoid interest charges entirely. Always review the terms to understand how these rates apply.
APR for Cash Advances
Cash advances come with a higher APR compared to regular purchases. The exact rate depends on the terms, often starting at the higher end of the range.
Additional fees apply for each cash advance transaction. Use this option only if necessary to avoid extra costs.
Foreign Transaction Fees
There are no foreign transaction fees for purchases made outside the U.S. This benefit is ideal for international travelers using the card abroad.
You can make payments in other currencies without worrying about extra charges. Always confirm exchange rates for transparency.
How to Apply for the Hilton Honors American Express Surpass Card?
Applying for the Hilton Amex is a simple process. Follow the steps below to ensure your application is smooth and complete.
Application Process
To apply for the Hilton Honors American Express, follow these steps:
- Visit the American Express website or use the official app.
- Select the Hilton Honors American Express Surpass Card and click “Apply Now.”
- Complete the online application form with your personal and financial details.
- Apply and wait for confirmation, which is often instant but may take longer in some cases.
Eligibility Criteria
Ensure you meet these requirements before applying:
- Be at least 18 years old (21 in some countries).
- Have a valid Social Security Number or Tax ID for U.S. applicants.
- Maintain a good to excellent credit score for approval.
- Have a steady source of income to support credit obligations.
Necessary Documents
Prepare these documents to complete your application:
- A valid government-issued ID (passport, driver’s license, or national ID).
- Proof of income, such as a recent pay stub or tax return.
- A copy of your credit history is required for reference.
- Your Social Security Number or Tax ID to verify identity and credit details.
Comparing Hilton Honors Cards
This section compares the Hilton Honors American Express Surpass with other Hilton cards. Learn how the features and benefits differ among the options.
Comparison with Other Hilton Cards
The Hilton Honors American Express Card is a no-annual-fee option, ideal for casual travelers. It earns 7X points at Hilton properties but lacks additional perks like Gold status or lounge access.
The Hilton Honors American Express Aspire Card is a premium option with a higher annual fee but offers Diamond status and an annual $250 resort credit.
The Surpass card balances costs and benefits, making it suitable for frequent travelers without the Aspire’s high fee. Choose based on your travel habits and reward preferences.
Tips to Maximize Rewards
To make the most of your card, focus on spending strategically to maximize your rewards. These tips help you earn more points and unlock additional benefits.
Focus Spending on Bonus Categories
Using your card for specific categories can significantly boost your points.
- Earn 12X points on eligible Hilton hotel bookings.
- Get 6X points at U.S. restaurants, supermarkets, and gas stations.
- Use the card for everyday purchases to earn 3X points per dollar.
Plan Hilton Stays During Promotions
Taking advantage of Hilton promotions can multiply your earnings.
- Check out the limited-time bonus points offered by Hilton Honors.
- The schedule stays during double or triple-point promotions.
- Use promotional tools in the Hilton Honors app to plan your stays strategically.
Combine Card Benefits with Hilton Honors Promotions
Pairing card rewards with program promotions can maximize your value.
- Use free night rewards for high-value redemptions at luxury properties.
- Book during Hilton Honors member-only deals for discounted rates.
- Redeem points for longer stays to take advantage of the 5th-night free benefit.
Bank Information
American Express, the provider of this card, is located at 200 Vesey Street, New York, NY 10285. Their main contact number for inquiries is (212) 640-2000. For assistance, you can contact their customer service department during business hours.
Ensure you have your card details ready for quicker support. Always verify contact information directly on the official American Express website.
Disclaimer: All details mentioned here, including benefits and fees, can change anytime. Always check with American Express for the latest updates and terms.
Final Thoughts on the Hilton Honors American Express Surpass
The Hilton Honors American Express Surpass offers frequent Hilton guests a strong balance of rewards and travel perks.
It provides excellent value with benefits like 12X points on Hilton purchases, automatic Gold status, and no foreign transaction fees.
The reasonable annual fee makes it accessible while offering features that enhance everyday spending and travel experiences. Consider this card to maximize your Hilton stays and enjoy added benefits.
