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

Hilton HHonors Surpass Card from American Express® Review

Hilton HHonors Surpass Card from American Express® is no longer available to new customers on SuperMoney.

Click here to compare Personal Credit Cards and quickly find the best options for your needs.

This 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 review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Signup bonus. Offers a signup bonus of 75000 points that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Hilton HHonors Surpass Card from American Express® has a variable purchase APR that ranges from 15.49% up to 19.49%.
  • 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 will have low approval odds if your credit score is below 700.
Pros & Cons of Hilton HHonors Surpass Card from American Express®
The Good The Bad
  • Lower than average purchase APRs.
  • Cardholders can earn rewards on purchases everywhere Hilton HHonors Surpass Card from American Express® is accepted.
  • 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 benefits.
Hilton HHonors Surpass Card from American Express® FAQ

Does Hilton HHonors Surpass Card from American Express® have a cash back or rewards program?

Hilton HHonors Surpass Card from American Express® is a rewards card.

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 (Points/Miles) 75000

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

This card 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?

This card 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It 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 intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

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

This card does not offer an intro APR rate on new purchases.

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

The following fees apply:

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 foreign transaction fees.

What is the customer service phone number for Hilton HHonors Surpass Card from American Express®?

The Hilton HHonors Surpass Card from American Express® customer service number is (800) 528-4800.

What is the support contact email for Hilton HHonors Surpass Card from American Express®?

The support contact email for Hilton HHonors Surpass Card from American Express® is info@americanexpress.com.

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 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday 7:00am - 12:00pm
  • Monday 7:00am - 12:00pm
  • Tuesday 7:00am - 12:00pm
  • Wednesday 7:00am - 12:00pm
  • Thursday 7:00am - 12:00pm
  • Friday 7:00am - 12:00pm
  • Saturday 7:00am - 12:00pm

Other Services by American Express National Bank

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Availability

  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 days
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
Credit Score Range 700 - 850
Rewards Categories
  • Every Purchase
  • Gas
  • Groceries
  • Hotels
  • Restaurants
Signup Bonus (points) 75,000
Penalty APR (Variable APR) 29.49%
Purchase APR (Variable APR) 15.49% - 19.49%
Balance Transfer APR (Variable APR) 15.49% - 19.49%
Card Type
  • Rewards
Card Network American Express

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