The Hilton Honors American Express Surpass card offers enhanced travel benefits tailored for Hilton hotel stays. It provides valuable rewards, exclusive perks, and savings on stays, making it ideal for frequent travelers in the United States.
This card goes beyond typical options, offering a robust rewards program and bonus opportunities for Hilton properties. While it carries an annual fee, the benefits far outweigh the cost for those frequently staying at Hilton hotels.
Focused on delivering value, the Hilton Honors Amex Surpass maximizes rewards and elevates the travel experience. It’s a strong choice for those who prioritize comfort and savings.
Hilton Honors American Express Surpass: Overview
The Hilton Honors American Express Surpass card is a rewards-focused credit card designed for those who frequently stay at Hilton properties or want to earn travel perks through everyday spending.
Amex Hilton Honors members can earn Points through stays, dining, rides, and purchases. This card amplifies the earning potential across various categories, making it a valuable tool for U.S.-based travelers.
How to Earn Points with the Hilton Honors American Express Surpass
The Hilton Honors Amex Surpass offers multiple ways to earn Points on Hilton stays and everyday purchases, making it easy to grow rewards.
Earn 12x Points on Hilton Stays
Cardholders earn 12x Points per dollar spent at Hilton hotels and resorts, including all Hilton brands worldwide. This rewards frequent travelers and allows Points to be redeemed for free nights or upgrades.
- Stays at premium Hilton properties maximize Point value.
- Frequent use of the card ensures quick rewards.
- This feature helps save on Hilton stays while enhancing travel experiences.
Earn 6x Points on Everyday Categories
The card offers 6x Points at U.S. restaurants, supermarkets, and gas stations.
- Everyday purchases significantly contribute to the rewards balance.
- Promotions may increase earning potential for these categories.
- This makes it ideal for turning daily spending into travel savings.
Earn 3x Points on Other Purchases
The Hilton Honors Amex Surpass earns 3x Points per dollar for all other eligible purchases.
- This includes subscriptions, bills, and other general expenses.
- Every transaction builds toward future travel rewards.
- Flexible earning ensures all spending contributes to your Points total.
Designed for U.S. Cardholders
The Hilton Honors Amex Surpass is tailored to fit the lifestyle of cardholders in the United States, offering exceptional value on travel and everyday expenses. Its structure ensures rewards accumulate steadily, making it a strong choice for those looking to maximize Hilton benefits.
The Hilton Honors American Express Surpass: New Benefits in 2024-2025
Hilton has introduced updates for the American Express Hilton Honors, enhancing its value for cardholders in the United States.
$200 Annual Hilton Statement Credit:
- Cardholders can now earn up to $200 annually as statement credits for eligible Hilton purchases, such as hotel stays.
- The benefit is capped at $50 per quarter, encouraging consistent Hilton purchases throughout the year to maximize the credit.
4x Points on Online Retail Purchases:
- Earn 4 Hilton Honors points per dollar spent on online retail purchases.
- This is in addition to existing bonus categories, including Hilton purchases and spending at U.S. restaurants, supermarkets, and gas stations. Terms apply.
National Car Rental Elite Status:
- Cardholders gain Executive Elite status through National Car Rental’s Emerald Club loyalty program.
- Benefits include earning a free rental day after six credits and access to complimentary upgrades. Non-elite members typically earn free days after seven credits.
Priority Pass Membership Ending:
- Priority Pass Select airport lounge access is no longer available for new cardholders.
- Existing members who enrolled on or before January 31, 2023, will lose access as of February 1, 2024.
- Members who enroll between February 1, 2023, and January 31, 2024, retain access until October 31, 2024. Terms apply.
Pros and Cons of Hilton Honors American Express Surpass Card
This card offers excellent hotel perks for travelers in the United States.
Pros:
- Points System: Earn generous points on Hilton hotel bookings and other eligible purchases, making it ideal for frequent travelers.
- Complimentary Gold Status: Automatically enjoy Gold Status, unlocking benefits like free breakfast, room upgrades, and more.
- Car Rental Insurance: Coverage for eligible car rentals adds value for domestic and international travelers.
- Purchase Protection: Protect eligible purchases against damage or theft, enhancing peace of mind.
- Exclusive Access: Enjoy member-only events and access to presales for select experiences.
Cons:
- Limited Airline Benefits: While packed with travel perks, it lacks features related to airline ticketing, which some users find disappointing.
Key Benefits for Cardholders
The credit card Hilton Honors allows you to earn Points faster and access perks aligned with higher membership tiers.
- Earning Points: Earn up to 12x Hilton Honors Points per dollar spent on eligible purchases at Hilton properties, as well as additional points for dining, groceries, and gas in the United States.
- Gold Status Benefits: Automatic Gold status as a cardholder, with perks like room upgrades, daily breakfast, and an 80% bonus on Points.
- Fast-Track to Diamond Status: Spend $40,000 on purchases in a calendar year to upgrade to Diamond status, unlocking exclusive benefits like executive lounge access and premium Wi-Fi.
- Free Weekend Night Rewards: Earn a free weekend night certificate after spending $15,000 in a calendar year.
- Priority Pass™ Select Membership: Receive 10 complimentary airport lounge visits each year.
- No Foreign Transaction Fees: Enjoy seamless spending internationally without additional charges.
Member Benefits with the Card
The Hilton reward credit card enhances Hilton membership benefits, ensuring more value and convenience during stays.
- Discounted Rates: Book through Hilton’s app or website for exclusive member-only rates.
- No Resort Fees on Reward Stays: Use points for free stays without worrying about added resort fees.
- Digital Key: Access your room using the Hilton app for added convenience.
- Fifth Night Free: Redeem your Points for reward stays and get the fifth night free.
- Complimentary Wi-Fi: Stay connected at Hilton properties without extra costs.
Elevated Perks for Gold and Diamond Status
As a cardholder, you automatically start at Gold status, unlocking premium benefits. You can access Diamond status for unparalleled travel rewards by meeting spending thresholds.
- Room Upgrades: Enjoy complimentary upgrades, subject to availability, up to a one-bedroom suite for Diamond members.
- Daily Breakfast or Food Credit: Gold and Diamond members can access complimentary breakfast or a food and beverage credit, depending on the Hilton brand.
- Milestone Bonuses: Earn 10,000 Points for every 10 nights stayed in a calendar year, adding more value to frequent stays.
- Elite Rollover Nights: Carry over unused nights toward the following year, making maintaining or upgrading status easier.
How to Apply for the Hilton Honors American Express Surpass
Applying for the Hilton Honors American Express Surpass Card is simple and efficient. Follow these steps to begin earning Hilton Honors rewards in the United States.
- Visit the Official Website: Access the application form directly on the Hilton Honors or American Express site.
- Verify Eligibility: Ensure eligibility by confirming U.S. residency and maintaining a good credit score.
- Complete the Application: Enter essential details like name, address, and income.
- Focus on the Hilton Honors Surpass Card: Choose this card specifically to access its unique benefits, including Hilton Honors rewards.
- Review Terms: Understand interest rates, annual fees, and the perks offered.
- Submit: Submit the form online. Approval typically happens quickly.
Credit Score Requirements
The Hilton Honors American Express Surpass Card caters to applicants with between 700 and 850 credit scores. This range ensures the card is best suited for those with good to excellent credit in the United States.
Interest Rates and Fees for the Hilton Honors American Express Surpass
This section highlights the key fees and interest rates tied to the Hilton Honors American Express. Knowing these costs can help cardholders in the United States manage usage effectively and avoid unnecessary expenses.
Annual Fee: $150
The card has a $150 annual fee, charged yearly. This fee is not waived for the first year but grants access to valuable travel benefits. Evaluate if the rewards and perks justify the annual cost for your specific spending habits.
APR for Purchases: 20.49% to 29.49%
The variable APR for purchases ranges between 20.49% and 29.49%, depending on creditworthiness. Interest is applied only if a balance is carried past the due date. Paying off balances in full is advised to avoid high-interest charges.
Late Payment Fee: Up to $40
Late payments can result in a fee of up to $40, based on the outstanding balance. Timely payments prevent fees and protect credit scores, which is essential for financial health.
Balance Transfer: Not Offered
This card does not provide balance transfer options. Other credit cards may be more suitable for those seeking to consolidate debt. Instead, the Hilton Surpass focuses on rewards and travel-related benefits.
Cash advances come with a high variable APR of 20.49% to 29.49% and additional fees. This feature is costly and should only be considered in emergencies. Other cash access options are recommended when possible.
Customer Support and Contact Information
For assistance related to the Hilton Honors American Express Surpass, contact the appropriate support teams:
- United States and Canada: Call 888-4HONORS (888-446-6677) for Hilton Honors-specific inquiries.
- Mexico: Contact Hilton support for help with account issues or bookings. Having your Hilton Honors account details ready ensures quicker service.
Contact American Express customer service for additional support on issues specific to the Hilton Honors American Express Surpass.
Disclaimer: Rates, fees, and other details may change. Always review the updated terms provided by Hilton Honors or American Express.
Conclusion
The Hilton Honors American Express Surpass offers valuable benefits, especially for travelers who frequently stay at Hilton properties.
While it carries an annual fee, its features can provide significant value for those maximizing rewards. Responsible card use can help maintain a positive credit score while leveraging its perks.
