Looking for a credit card that can earn you rewards for staying at Hilton hotels? The Hilton Honors Amex Surpass Card could be worth considering.
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Hilton Honors Amex Surpass Card
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Application Link
The Hilton Honors American Express Surpass Card is a co-branded hotel credit card that offers generous rewards and benefits for Hilton loyalists. You can apply for the card online through the American Express website or through Hilton Honors.
Benefits
The Hilton Honors Amex Surpass Card offers a wide range of benefits for frequent Hilton guests. Read on for some of the most mentioned benefits
Sign-up bonus:
New cardmembers can earn a generous welcome bonus of 150,000 Hilton Honors points after spending $2,000 in purchases within the first 3 months of card membership.
Rewards program:
Cardmembers earn Hilton Honors points on all purchases, with 12 points per dollar spent at Hilton properties, 6 points per dollar spent at U.S. restaurants, U.S. supermarkets, and If you are in the US Earn 3 points per dollar spent at gas stations, and other purchases
Complimentary Hilton Honors Gold status:
Cardmembers automatically receive Hilton Honors Gold status, which includes benefits like room upgrades, free breakfast, and late checkout at participating hotels.
Priority Pass Select membership:
Cardmembers receive 10 complimentary Priority Pass lounge visits each year, which can be used at over 1,000 airport lounges worldwide.
Travel protections:
The card offers several travel protections, including baggage insurance, car rental loss and damage insurance, and 24/7 global assist hotline.
No foreign transaction fees:
Cardmembers can use their card internationally without incurring foreign transaction fees.
Disadvantages
While the Hilton Honors Amex Surpass Card has many benefits, it also has some drawbacks to consider:
Annual fee:
The card has a $95 annual fee, which may not be worth it for occasional Hilton guests.
Limited transfer partners:
Hilton Honors points can only be transferred to a limited number of travel partners, which may limit the value of the rewards for some cardmembers.
Limited lounge access:
While the Priority Pass Select membership is a great benefit, the card only offers 10 complimentary lounge visits per year, which may not be enough for frequent travelers.
Recommended Application Time
It is recommended to apply for the Hilton Honors Amex Surpass Card when you have a good credit score and can meet the minimum spending requirement for the sign-up bonus. It is also recommended to wait at least 90 days between Amex credit card applications to increase your chances of approval.
Summary
The Hilton Honors Amex Surpass Card is a great choice for frequent Hilton guests who want to earn generous rewards and enjoy exclusive benefits. The sign-up bonus, rewards program, and complimentary Gold status make this card a valuable addition to any traveler’s wallet. However, the annual fee and limited transfer partners may not make it a good choice for everyone.
Related Credit Cards
Other Hilton Honors credit cards offered by American Express include the Hilton Honors American Express Card, the Hilton Honors American Express Aspire Card, and the Hilton Honors American Express Business Card.
Recommended Downgrade Options
If you decide that the annual fee for the Hilton Honors Amex Surpass Card is no longer worth it, you can consider downgrading to the no annual fee Hilton Honors American Express Card.
After Applying
After applying for the Hilton Honors Amex Surpass Card, you can check the status of your application by logging into your Amex account or calling the customer service line. Once you receive your card, make sure to activate it and start using it to earn rewards and enjoy benefits.
Historical Offers Chart
The Hilton Honors Amex Surpass Card has offered different sign-up bonuses in the past. Here is a historical chart of some of the previous offers:
FAQ
Is the Hilton Honors Amex Surpass Card worth the annual fee?
The answer to this question depends on how often you stay at Hilton properties and how much value you place on the card’s benefits. If you stay at Hilton properties frequently and take advantage of the card’s rewards and benefits, then the annual fee can be worth it. However, if you only stay at Hilton properties occasionally, then the annual fee may not be worth it for you.
What is the minimum credit score required to get approved for the Hilton Honors Amex Surpass Card?
The minimum credit score required to get approved for the Hilton Honors Amex Surpass Card is around 700 or higher, but this can vary depending on individual creditworthiness.
Can I use Hilton Honors points for things other than hotel stays?
Yes, Hilton Honors points can be used for things like car rentals, merchandise, experiences, and more through the Hilton Honors program.
How do I earn Hilton Honors points with the Hilton Honors Amex Surpass Card?
You can earn Hilton Honors points with the Hilton Honors Amex Surpass Card by using the card for purchases, with 12 points per dollar spent at Hilton properties, 6 points per dollar spent at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, and 3 points per dollar spent on all other eligible purchases.
Can I transfer Hilton Honors points to other loyalty programs?
Hilton Honors points can be transferred to a limited number of travel partners, including airlines and car rental companies, but not to other hotel loyalty programs.
