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Hilton Honors American Express Surpass® Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
16.49% ‐ 25.49% (Variable)
Interest Rate: Purchases
16.49% ‐ 25.49% (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...

One Mile at a Time
One Mile at a Time

The Hilton Honors Surpass Card is an excellent mid-range card that offers a great bonus for new members. On top of that, the Hilton Surpass offers 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 it p...

- Ben Schlappig, One Mile at a Time
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
Business Insider
Business Insider

It is offering a record-high welcome bonus, and it's a great pick if you stay with Hilton and are looking for a card with solid perks for a moderate annual fee.

- Jasmin Baron, Business Insider
The Balance
The Balance

Surpass is Hilton’s middle-tier credit card and, as such, it can be worth getting even if you are only a fair-weather Hilton fan because it gives you some airport lounge access. If you’re a semi-regular traveler who doesn’t want to pay for a premium airline credit card but likes airport lounges, thi...

- Sienna Wrenn, Fernando Flores, The Balance

This card's rewards program makes it easy to rack up points toward free award nights whether you're charging hotel stays or everyday purchases. On the other hand, it may be worth considering a more general travel rewards card if you frequent other hotel brands.

- Rebecca Lake, MyBankTracker


Interest Rates
Regular APR Interest Rate 16.49% ‐ 25.49% (Variable)

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

Balance Transfer Interest Rate

Not available

Cash Advance Interest Rate 25.99% (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.
  • Plus, you can earn up to $130 in Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Card Membership.
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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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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