Hilton Honors American Express Surpass Card Review

Unleash the world of Hilton with the Hilton Honors American Express Surpass Card and unlock a gateway to unforgettable travel experiences. Earn 130,000 bonus points after spending $3,000 in your first six months, then enjoy 12X Points on Hilton stays, 6X Points at U.S. restaurants, gas stations, and supermarkets, and 4X Points on U.S. online retail purchases. You can enjoy 3x Points for all other eligible purchases on your Card. With complimentary Hilton Honors Gold status, benefit up to $200 in annual statement credits for on-property purchases, and elevate your journeys with perks like airport lounge access and National Car Rental Emerald Club Executive status. As a seasoned adventurer, the Hilton Honors American Express Surpass Card is your passport to premium rewards and elevated travel experiences.

Quick Highlights

• Earn 130,000 Hilton Honors Bonus Points after you spend $3,000in purchases on the Hilton Honors American Express Surpass Card in your first six months of Card Membership.
• Earn 12XHilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
• Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
• Earn 4X Points for each dollar on U.S. Online Retail Purchases.
• Earn 3X Points for all other eligible purchases on your Card.
• Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass Card.
• Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Amex Surpass Card.
• Earn a Free Night Reward from Hilton Honors after you spend $15,000on eligible purchases on your Card in a calendar year.
• No Foreign Transaction Fees.
• Enjoy complimentary National Car Rental Emerald Club Executive status.
• $150 annual fee.
• Terms and conditions Apply.

Hilton Honors Surpass Card Features and Benefits

The American Express Hilton Honors Surpass Card offers a variety of features and benefits that make it stand out among other hotel credit cards. Let’s take a closer look at some of these perks. The American Express offers exclusive features and rewards for its cardholders. These include complimentary upgrades, free breakfast at participating hotels, and late check-out options.

New introductory bonus:

The Hilton Honors Surpass card just updated its welcome bonus, and though it’s a step down from the previous offer, it still offers solid value. You can earn 130,000 Hilton Honors points after spending $3,000 in the first six months of card membership. That’s down 40,000 points from the card’s last offer of 170,000 points with the exact spending requirement.

• Complimentary Gold Status: Enjoy spending $40,000 on eligible purchases on your Card in a calendar year; you can earn Hilton Honors Diamond status through the end of the year.
• New $200 Hilton Credit: Earn up to $50 in statement credits for each half purchase made directly with a property in the Hilton portfolio. That’s up to $200 in statement credits annually.
• Free Night Reward: Earn a Free Night Reward after you spend $15,000 on eligible purchases on your Card.
• Car rental: Hilton Honors Surpass Card Members can enjoy complimentary National Car Rental, including perks like Executive Area Access in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account.
• No Foreign Transaction Fees: There are 0% fees for foreign transactions with your Hilton Honors American Express Surpass Card.

Extra Perks

• Hilton hotel network: The Hilton hotel network is worldwide, with more than 5,000 properties in more than 100 countries.
• Redeeming points: Once you’ve racked up Hilton Honors points, you can redeem them in several ways. Unfortunately, like many hotel cards, you won’t be able to save your points for cash back or a statement credit. However, there are plenty of different purchases you can make with rewards.
• Travel accident insurance: For fares charged to your card, you can be covered by a common carrier for accidental death or dismemberment while travelling.
• Extended warranty: On eligible warranties of five years or less, you can add up to two years to the original manufacturer’s warranty.

Rates and Fees

It’s essential to consider the rates and fees associated with any credit card before applying. Here are some of the key rates and fees for the Hilton Honors American Express Surpass Card:

• Purchase APR:  20.99% to 29.99% variable
• Balance transfer APR: None
• APR for Cash Advances: 99% This APR will vary with the market based on the Prime Rate.
• Annual fee: $150
• Foreign transaction fee: None
• Late payment Fee: Up to $40
• Returned Payment: Up to $40
• Over limit: None
• Cash advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
• Credit limit: $1,000 to over $20,000.

Hilton Honors American Express Surpass Card Rewards

The rewards program for this Card is one of its most attractive features. Cardholders can earn points for every dollar spent, with additional bonus points for eligible purchases at Hilton properties. These points can be redeemed for free hotel stays, room upgrades, and other travel expenses.

Intro Bonus Offer

• Earn 130,000 points: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass card in six months.

Reward Rates

• 12X: Earn 12X Bonus Points for each dollar of eligible purchases directly with a hotel within the Hilton portfolio.
• 6X: Earn 6X Points for each dollar spent on your Card at U.S. restaurants, supermarkets, and gas stations.
• 4X: Earn 4X Points for each dollar on U.S. Online Retail Purchases.
• 3X: Earn 3X Points for all other eligible purchases on your Card.
• Free Night Award: Earn a free night reward after spending $15,000 on card purchases in a calendar year. This valuable annual benefit opens doors to amazing hotel stays without paying a dime.

How to redeem rewards of Hilton Honors American Express Surpass Card

Hilton Honors Points:

• Free Nights: You can redeem points for free nights at any Hilton property worldwide. Points required vary based on the property and room type.
• Travel Experiences: Use points for flights, car rentals, cruises, tours, and more.
• Events & Experiences: Bid your points on exclusive events and experiences like concerts, sporting events, and dining experiences through American Express Experiences.
• Amazon Shopping: Use points to purchase on Amazon.com (limited availability, US only).

• Sign in to your Hilton Honors account: This will give you access to all available rewards and redemption options.
• Check the terms and conditions: Each reward has specific terms and conditions, such as blackout and expiration dates. Make sure you understand these before redeeming.
• Compare your options: Consider the value of each redemption option before making a decision. For example, using points for a free night at a luxury hotel might be more valuable than using them for a small purchase on Amazon.
• Plan ahead: Book your travel or experiences in advance, especially for popular destinations or events.

Hilton Honors American Express Surpass Card Application and Approval Process

Eligibility Criteria:

• You must be at least 18 years old.
• You must have a valid Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN).
• You must be a resident of the United States or its territories.
• You must have a good to excellent credit history. This typically means a credit score of 700 or higher.

Application Process:

• Pre-qualification: Check if you’re pre-qualified for the card on the American Express website. This doesn’t guarantee approval, but it gives you an idea of your chances without impacting your credit score.
• Online Application: You can apply visiting the Hilton Honors American Express Surpass Card page and fill your information.
• Additional Information: In some cases, American Express may request additional information or documentation to verify your identity or income.

Approval Process:

• Decision Timeline: You’ll typically receive an instant approval decision or one within 24-48 Sometimes, it may take longer, and you might be contacted for further verification.
• Approval Factors: American Express considers various factors, including your credit score, income, debt-to-income ratio, employment history, and credit report inquiries.

Customer Service/Support

• Help Line: 1-800-446-6677
• AMEX WEBSITE: American Express

Hilton Honors American Express Surpass Card Review

The Hilton Honors American Express Surpass Card has received positive user reviews for its generous rewards program, welcome bonus, and additional benefits. But, some have noted that the annual fee may be steep for occasional travelers. This Card is an excellent choice for those who frequently stay at Hilton properties.

Conclusion

In conclusion, the Hilton Honors American Express Surpass Card is an excellent choice for frequent travelers and hotel enthusiasts. With its generous rewards program, impressive perks and benefits, and positive customer reviews, this Card offers superb value for its annual fee. However, it’s essential to carefully consider your usage and develop a solid rewards strategy to make the most out of this Card. So, if you’re a fan of Hilton Hotels and looking for a credit card to enhance your travel experiences, the Hilton Honors American Express Surpass Card may be just what you need.

WhatCard Recommended Credit cards: Citi Premier Card Review