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Hilton Honors American Express Surpass® Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
19.49% ‐ 28.49% (Variable)
Interest Rate: Purchases
19.49% ‐ 28.49% (Variable)
Balance Transfer
Balance Transfer
3 - 12 points
3 - 12 points
Signup Bonus
130000 points (after spending $2,000)
Signup Bonus
130000 points (after spending $2,000)

Informr score
The Hilton Honors American Express Surpass® Card currently has an Informr score of 8.7 out of 10. This score is based on our evaluation of 26 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...

Travel Update
Travel Update

With no annual fee in the first year and $95 thereafter, the Hilton Surpass card offers great value. In addition to the welcome bonus, you have access to mid tier Gold status. You also have the opportunity to earn a decent stack of points on everyday spend. If you simply put $1,250 on the card each...

- Travel Update
The Points Guy
The Points Guy

With a lucrative welcome offer, solid earning rates, complimentary Gold elite status and an array of valuable perks, the Hilton Surpass is an excellent option for those who visit Hilton properties semi-frequently. It doesn’t offer the flexibility of a card like the Sapphire Preferred, but it could b...

- Katie Genter, The Points Guy

As a hotel-branded card, the Hilton Honors Amex Surpass Card is suited for avid travelers with a preference for staying at Hilton hotels or resorts. Specifically, travelers who might be new to the Hilton Honors program or haven’t reached Hilton Honors Gold status yet can receive the immediate benefi...

- Jennifer Calonia, FinanceBuzz

The Hilton Honors American Express Surpass® Card is a great hotel credit card for those who spend between $15,000 and $59,999 annually — enough to earn the card's free weekend night award, but not enough to earn two free weekend nights with Hilton's luxury-tier hotel card: the Hilton Honors Aspire C...

- Stella Shon, ValuePenguin
Money Crashers
Money Crashers

Ideal for loyal Hilton guests who frequently stay at Hilton portfolio properties and spend heavily at U.S. gas stations, restaurants, or supermarkets. It’s not as useful for folks who aren’t loyal to Hilton, those who seek good value for non-award night redemptions (including frequent flyer transfer...

- Brian Martucci, Money Crashers


Interest Rates
Regular APR Interest Rate 19.49% ‐ 28.49% (Variable)

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

Balance Transfer Interest Rate

Not available

Cash Advance Interest Rate 28.99% (Variable)

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

Rates & Fees
Annual Fee $95.00

Waived on the first year

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 $40.00


Sign up bonus 130000 points after spending $2,000

On purchases within the first 3 months.

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 No
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, Google Pay
Virtual Cards Yes
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.
  • Priority Pass Select – 10 Free Visits
  • Weekend Night Reward
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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