Hilton Honors American Express Surpass® Card review

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Advertiser Disclosure

Interest Rate: Purchases
17.24% ‐ 26.24% (Variable)
Balance Transfer
17.24% ‐ 26.24% (Variable)
Rewards
3 - 12 points
Signup Bonus
125000 points (after spending $2,000)


9/10
Informr score
The Hilton Honors American Express Surpass® Card currently has an Informr score of 9 out of 10. This score is based on our evaluation of 16 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Hilton Honors American Express Surpass® Card is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Business Insider

Not only do you get a big welcome bonus with the Hilton Surpass card, but the generous earning structure also makes it easy to earn more points on everything you buy. You can get more Hilton benefits with the premium Hilton Aspire card, but if you don't want to pay a premium-level annual fee, the Su...

- Holly Johnson, Business Insider
UponArriving

Overall, the Hilton Surpass really is a great hotel card. If you catch it at the right time, it has one of the best welcome offers out there, competitive bonus spend categories, and a lot of value to offer with Priority Pass and the free night award after only $15,000 in spend.

- Daniel, UponArriving
Credit Cards Explained

If you are a frequent Hilton Hotels visitor then the Hilton Honors American Express Surpass® Card is nearly a no brainer. The massive 125,000-point welcome bonus can be used a lot of different ways. Choose to spread it out over many different nights with a low-level Hilton property, or use is up qui...

- Sean Bryant, Credit Cards Explained
One Mile at a Time

The Hilton Honors Surpass Card is an excellent mid-range card that offers a great bonus for new members, as well as valuable ongoing perks. The card can be worth having for the Gold status alone, and it could also be worth putting $15,000 or $40,000 of spending on the card for the threshold bonuses...

- Ben, One Mile at a Time
The Wirecutter

This is the middle choice of Hilton’s three non-business credit cards, but it still has some top-tier perks and may be more appealing to non-Hilton diehards.

- Sally French, The Wirecutter

Details


Interest Rates
Regular APR Interest Rate 17.24% ‐ 26.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 17.24% ‐ 26.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 26.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $95.00
Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus 125000 points after spending $2,000

On purchases within the first 3 months.

Rewards
All Purchases 3 points per $1 spent
Restaurants 6 points per $1 spent
Gas 6 points per $1 spent
Groceries 6 points per $1 spent
Hotels 12 points per $1 spent

On eligible purchases at participating hotel or resort within the Hilton Portfolio.

Travel No
Pharmacy No
Bills No
Additional Details

Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Android Pay
Additional Benefits

- Enjoy complimentary Hilton Honors Gold status with your Hilton Honors Ascend 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.

- Get 10 free lounge visits every year once enrolled.

- Return Protection

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
Suggest a correction

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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


Business Insider

Hilton perks with a low annual fee

from Business Insider

Not only do you get a big welcome bonus with the Hilton Surpass card, but the generous earning structure also makes it easy to earn more points on everything you buy. You can get more Hilton benefits with the premium Hilton Aspire card, but if you don't want to pay a premium-level annual fee, the...More

Not only do you get a big welcome bonus with the Hilton Surpass card, but the generous earning structure also makes it easy to earn more points on everything you buy. You can get more Hilton benefits with the premium Hilton Aspire card, but if you don't want to pay a premium-level annual fee, the Surpass is a great option for Hilton loyalists.

Read full review

Less

UponArriving

A great hotel credit card

from UponArriving

Overall, the Hilton Surpass really is a great hotel card. If you catch it at the right time, it has one of the best welcome offers out there, competitive bonus spend categories, and a lot of value to offer with Priority Pass and the free night award after only $15,000 in spend.

Read full review

Overall, the Hilton Surpass really is a great hotel card. If you catch it at the right time, it has one of the best welcome offers out there, competitive bonus spend categories, and a lot of value to offer with Priority Pass and the free night award after only $15,000 in spend.

Read full review

Less

Credit Cards Explained

Anyone that loves to stay at Hilton Hotels should have this card

from Credit Cards Explained

If you are a frequent Hilton Hotels visitor then the Hilton Honors American Express Surpass® Card is nearly a no brainer. The massive 125,000-point welcome bonus can be used a lot of different ways. Choose to spread it out over many different nights with a low-level Hilton property, or use is up...More

If you are a frequent Hilton Hotels visitor then the Hilton Honors American Express Surpass® Card is nearly a no brainer. The massive 125,000-point welcome bonus can be used a lot of different ways. Choose to spread it out over many different nights with a low-level Hilton property, or use is up quickly on a luxurious hotel night. No matter what you might choose, this card can help provide a ton of value.

Read full review

Less

One Mile at a Time

Fantastic bonus, valuable offers

from One Mile at a Time

The Hilton Honors Surpass Card is an excellent mid-range card that offers a great bonus for new members, as well as valuable ongoing perks. The card can be worth having for the Gold status alone, and it could also be worth putting $15,000 or $40,000 of spending on the card for the threshold bonus...More

The Hilton Honors Surpass Card is an excellent mid-range card that offers a great bonus for new members, as well as valuable ongoing perks. The card can be worth having for the Gold status alone, and it could also be worth putting $15,000 or $40,000 of spending on the card for the threshold bonuses that the card offers. Even if you don’t stay at Hiltons that often, the value of free breakfast and upgrades will add up quickly. The current increased bonus of 130K points plus a weekend night reward is all the more reason to pick up the card now.

Read full review

Less

The Wirecutter

Solid Hilton perks for a manageable annual fee

from The Wirecutter

This is the middle choice of Hilton’s three non-business credit cards, but it still has some top-tier perks and may be more appealing to non-Hilton diehards.

Read full review

This is the middle choice of Hilton’s three non-business credit cards, but it still has some top-tier perks and may be more appealing to non-Hilton diehards.

Read full review

Less

CreditCards.com

Excellent earning scheme, large network of hotels

from CreditCards.com

A good value for Hilton hotel fans, the Honors Ascend card makes it easy to quickly earn free night’s stays by offering a substantial introductory bonus and an ample point bonus on gas, restaurant, airfare and hotel purchases.

Read full review

A good value for Hilton hotel fans, the Honors Ascend card makes it easy to quickly earn free night’s stays by offering a substantial introductory bonus and an ample point bonus on gas, restaurant, airfare and hotel purchases.

Read full review

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Travel Update

An affordable way to earn Hilton Honors points

from Travel Update

The Hilton Ascend Card is a great mid-tier card for Hilton visitors. It can also be a great downgrading option for Hilton Aspire card-members. Gold Status and the fifth night free are the highlights of this $95 annual fee card. For Hilton loyalists, the Ascend Card is a nice earner within the bo...More

The Hilton Ascend Card is a great mid-tier card for Hilton visitors. It can also be a great downgrading option for Hilton Aspire card-members. Gold Status and the fifth night free are the highlights of this $95 annual fee card. For Hilton loyalists, the Ascend Card is a nice earner within the bonus categories and can possibly be a keeper card. Its possible to earn enough points to cover the modest annual fee without taking perks into account.

Read full review

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Finder

Solid perks and rewards

If you’re willing to pay a $95 annual fee, you’ll find the Hilton Honors Ascend Card offers solid rewards not offered by the Hilton Honors Card. It’s a good choice whether you’re a Hilton regular or simply want to save for a few reward nights a year.

Read full review

If you’re willing to pay a $95 annual fee, you’ll find the Hilton Honors Ascend Card offers solid rewards not offered by the Hilton Honors Card. It’s a good choice whether you’re a Hilton regular or simply want to save for a few reward nights a year.

Read full review

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CardRatings.com

For frequent travelers who often stay at Hilton properties

from CardRatings.com

Clearly, the Hilton Honors Ascend Card from American Express is a strong consideration for the wallet of any traveler who often, if not always, stays at Hilton properties when on the road. If you are a frequent traveler, whether it be for business or pleasure, you are also well-suited for this ca...More

Clearly, the Hilton Honors Ascend Card from American Express is a strong consideration for the wallet of any traveler who often, if not always, stays at Hilton properties when on the road. If you are a frequent traveler, whether it be for business or pleasure, you are also well-suited for this card. It won't take long to achieve the thresholds needed for some very attractive perks.

Read full review

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Get.com

One of the top hotel cards on the market

from Get.com

Hilton Honors Ascend Card from American Express, in my opinion, is one of the top hotel rewards card in the US since it lets you earn tons of points on all purchases made on your card, which you can accumulate to later redeem for hotel stays.

Read full review

Hilton Honors Ascend Card from American Express, in my opinion, is one of the top hotel rewards card in the US since it lets you earn tons of points on all purchases made on your card, which you can accumulate to later redeem for hotel stays.

Read full review

Less

User Reviews


Darn, there are no reviews yet for this credit card. Be the first to write a review.