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  Hilton HHonors Surpass Card from American Express®

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Hilton HHonors Surpass Card from American Express®

in Personal Credit Cards from American Express National Bank

Out of Business

Hilton HHonors Surpass Card from American Express®

in Personal Credit Cards from American Express National Bank

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 15.49% - 19.49%
Credit Score Range 700 - 850
Annual Fee $75
Purchase APR  (Variable APR) 15.49% - 19.49%

Hilton HHonors Surpass Card from American Express® Review

Hilton HHonors Surpass Card from American Express® is a rewards credit card issued by American Express National Bank.  If you're wondering whether Hilton HHonors Surpass Card from American Express® is the right card for you, read on. This is everything you need to know to make a good choice.

  • Signup bonus. Offers a signup bonus of 75000 that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Hilton HHonors Surpass Card from American Express® has a variable purchase APR of up to 19.49%.
  • Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of $75 for the privilege.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2.7% every time you make a transaction outside the U.S.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
The Good The Bad
  • Lower than average purchase APRs.
  • Earn rewards on every purchase.
  • Cardholders can earn rewards on their purchases.
  • Requires good to excellent credit.
  • Charges an annual fee of $75.
  • Charges a foreign transaction fee of 2.7%.
  • Does not report to credit bureaus.
  • Does not include many credit card rewards.

Is there a Hilton HHonors Surpass Card from American Express® cash back or rewards program?

Hilton HHonors Surpass Card from American Express® offers a rewards program to its customers.

Hilton HHonors Surpass Card from American Express® Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus (Points/Miles) 75000

Does Hilton HHonors Surpass Card from American Express® have a signup bonus?

Hilton HHonors Surpass Card from American Express® doesn't offer a cash signup bonus. However, it does include a 75000 points signup bonus that can be redeemed for travel, gifts, or other perks.

Does Hilton HHonors Surpass Card from American Express® offer an annual loyalty bonus?

Hilton HHonors Surpass Card from American Express® doesn't offer a cash loyalty bonus.

What are the relevant APRs for Hilton HHonors Surpass Card from American Express®?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Hilton HHonors Surpass Card from American Express® has lower than average purchase APRs.

Hilton HHonors Surpass Card from American Express® has a variable purchase APR that ranges from 15.49% up to 19.49%. The card has a variable balance transfer APR that ranges from 15.49% up to 19.49%. Note that late payments are subject to an APR of 29.49% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Hilton HHonors Surpass Card from American Express® have an introductory APR offer on balance transfers??

No, Hilton HHonors Surpass Card from American Express® does not come with an introductory APR offer for balance transfers.

Does Hilton HHonors Surpass Card from American Express® have an introductory APR offer on new purchases??

Hilton HHonors Surpass Card from American Express® does not offer an introductory rate on new purchases.

What are the Hilton HHonors Surpass Card from American Express® fees?

The following fees apply to Hilton HHonors Surpass Card from American Express®:

Hilton HHonors Surpass Card from American Express® Fees
Fees Amount
Annual Fee $75
Foreign Transaction Fee 2.7%
Returned Payment Fee $38
Late Payment Fee $38

Does Hilton HHonors Surpass Card from American Express® have a foreign transaction fee?

Hilton HHonors Surpass Card from American Express® charges a foreign transaction fee of 2.7%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $54. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

How to apply for Hilton HHonors Surpass Card from American Express®

  • Visit the Hilton HHonors Surpass Card from American Express® website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Interest Grace Period for Late Payment 25
Foreign Currency Transaction Fee 2.7%
Annual Fee $75
Returned Payment Fee $38
Late Fee Amount $38
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Lost Luggage Insurance  
Flight Insurance  
Emergency Support  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
Bonus Rewards 12x
Rewards Categories
  • Every Purchase
  • Gas
  • Groceries
  • Hotels
  • Restaurants
Signup Bonus (points) 75,000
Purchase APR (Variable APR) 15.49% - 19.49%
Penalty APR 29.49%
Balance Transfer APR (Variable APR) 15.49% - 19.49%

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