Hilton Honors™ Surpass® Card from American Express review

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• Once you spend $1,500 in purchases within the first 3 months you own the card, you'll earn 20,000 bonus points. Redeem these points for $200 in gift cards at thankyou.com.
• For the first $6,000 you spend annually at supermarkets and gas stations, you'll earn 2x the ThankYou® Points, then 1x the points thereafter.
• In the first 15 months from the date of your first transfer and on purchases from the day you open your account, you'll get a 0% intro APR. After that, the APR reverts to a variable 18.74% to 28.74%, based on your credit score. You'll also get an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, expect a 5% fee of each transfer amount (minimum $5).

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Name	Product	Welcome Offer	Rewards	Annual fee	Filter values
Hilton Honors American Express Card		Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in the first 6 months.	Up to 7x points	$0		Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in the first 6 months. Terms apply, see rates & fees	Go to site View details	Compare	loading Fetching your data...
Hilton Honors American Express Surpass® Card		130,000 Hilton Honors Bonus Points after you spend $3,000 in the first 6 months.	Up to 12x points	$150		Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases in the first 6 months. Terms apply, see rates & fees	Go to site View details	Compare	loading Fetching your data...
Hilton Honors American Express Aspire Card		150,000 points after spending $4,000 in the first 3 months	Up to 14x points	$450		150,000 Hilton Honors™ Bonus Points after you spend $4,000 or more in purchases with your new card within the first 3 months of card membership. All information about Hilton Honors American Express Aspire Card has been collected independently by Finder.	View details	Compare	loading Fetching your data...
The Hilton Honors American Express Business Card		Limited time offer: Spend $8,000 in purchases in the first 6 months of card ownership and earn 175,000 Hilton Honors Bonus Points. Ends on 6/5.	Up to 12x points	$195		Limited time offer: Spend $8,000 in purchases in the first 6 months of card ownership and earn 175,000 Hilton Honors Bonus Points. Ends on 6/5. Terms apply, see rates & fees	Go to site View details	Compare	loading Fetching your data...

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The basics

For occasional travelers and once-in-a-while Hilton customers, the Honors Card is a fine choice. For Hilton diehards, the Surpass is the go-to pick.

The main reason is the Surpass’ 3x points on Hilton spending, which eclipses the Honors’ 7x points. Ultimately, the Surpass card will give you a points machine that’ll help you earn free nights at the Hilton. Even though points are typically worth 0.4 cents a piece, you’ll collect so many that the card will pay for itself. And it certainly doesn’t hurt to earn 6x points at US restaurants, supermarkets and gas stations, as well as 12x points on all other eligible purchases.

You can find Hilton properties that cost as little as 5,000 points a night, but more often you’ll pay around 30,000 points for a night. That makes the card’s 100,000-point signup bonus quite generous.

Because the Surpass comes with a $75 annual fee, it’s most valuable if you stay at Hilton many times a year. If you stay at Hilton only occasionally, the Honors card is likely a better deal.

Which Hilton Honors card should I get?

	Hilton Honors™ Card	Hilton Honors™ Surpass Card
Annual fee	None	$75
Welcome bonus	80,000 points (spend $2,000 in the first 3 months)	Earn 100,000 Hilton Honors Bonus Points after spending $3,000 in purchases within your first 3 months of card membership.
Point earnings	7x at Hilton 5x at US restaurants, supermarkets and gas stations 3x on other eligible purchases	3x at Hilton 6x at US restaurants, supermarkets and gas stations 12x on other eligible purchases
Bonus points for Hilton Honors bookings	500 bonus points	500 bonus points
Complimentary Hilton Honors status upgrade	Silver	Gold
Secondary Hilton Honors status upgrade	Gold (after spending $20,000)	Diamond (after spending $40,000)

The Honors card has no annual fee, while the Honors Surpass charges $75 a year. Getting the Surpass starts to make sense when you consider its 100,000 signup bonus. However, it’s more valuable if you stay at Hilton regularly. That’s because you’ll earn 3x points on Hilton purchases versus the 7x you get with the Honors.

The other big factor is whether you value a complimentary bump to Gold status from the Surpass, or whether you’re okay with Silver (from the Honors). Silver offers many of the same perks Gold does. But Gold gives you faster earnings to attain higher status tiers, as well as small goodies at select properties like snacks and breakfast.

Overall, most travelers will do just fine with the Hilton Honors card. If you’re a hardcore Hilton customer, however, the Hilton Honors™ Surpass® Card from American Express is a no-brainer.

The Perks

• SIGNUP BONUS: Hilton Honors points.

• POINT: Earn accelerated Hilton Honors points.

Earn 3x points at Hilton properties. Earn 6x points at US restaurants, supermarkets and gas stations. And earn 12x points on all other eligible purchases.

• More points when you book at a Hilton Honors website.

Each time you book online from a Hilton Honors property, you’ll receive 500 bonus points.

• Complimentary upgrade to Hilton Honors Gold status.

Gold status offers property-specific bonuses, a 25% bonus on Hilton Honors Base Points you earn, and your fifth night free when you book five nights or more in one stay with points. It also includes standard perks like digital check-in, complimentary Wi-Fi and late check-out.

You’ll also like…

• Complimentary upgrade to Hilton Honors Diamond status after meeting spending requirements. If you spend $40,000 or more in a calendar year, you’ll get a free upgrade to Diamond status.
• Travel protection. You’ll have access to the American Express Global Assist Hotline, which you can use if you find yourself in a pinch on vacation. Also, get complimentary car rental, baggage and travel accident insurance.
• Purchase benefits. Get extended warranties and return protection on eligible items.
• Cardmember-only entertainment. As a cardholder, you’ll have access to exclusive events and ticket presales.

What to watch out for

• Not as widely accepted overseas. Because the Hilton Honors™ Surpass® Card from American Express is an American Express card, you might not have as many opportunities to use it overseas as you would with a Visa or Mastercard.
• Foreign transaction fees. You’ll incur fees when you use your Hilton Honors™ Surpass® Card from American Express abroad.
• It hurts to pay late. Making late or returned payments could saddle you with a penalty APR as high as 29.99%. You may also incur late and returned-payment fees as high as $39.

What to know before you apply

To apply for the Hilton Honors™ Surpass® Card from American Express, you must be:

• At least 18 years old
• A US resident

What credit score do I need?

You’ll have a better chance of being approved for the Hilton Honors™ Surpass® Card from American Express if you apply with a good to excellent credit score of 670 or higher.

How to apply for the card

1. On the American Express website, click Apply Now.

2. Fill out the application form. Provide information like your Social Security number, home address, income source and total annual income.

How long will it take to be approved?

Because conditional credit card approval is automated on the website, you can get a decision on your application within 60 seconds.

I got the card. Now what?

• Making payments. Register an account at the American Express website to pay your balance online. You can also enroll in autopay.
• Avoiding interest payments. After the close of each billing cycle, you have a grace period of 25 days to pay your balance. If you do, you won’t pay interest on your purchases.
• Avoiding fees. Late and returned payments come with hefty fees of up to $39. Balance transfers, cash advances and foreign transactions also come with fees.
• Customer service. Help documents aren’t easily accessible on the American Express website, but you can call 800-528-4800 for customer service. According to market research company J.D. Power, cardholders give American Express high marks in customer interaction.

Frequently asked questions

• If I qualify for the signup bonus, how long will it take to receive it?

  You’ll receive the bonus points six to eight weeks after you reach the spending requirement.

• If I have a penalty APR, how long will it apply?

  The penalty APR will apply for at least six months. If you pay your balances on time and have no returned payments within that period, American Express may lower your APR.