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Last Updated: 07/28/2025
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Hilton HHonors Surpass Card from American Express®
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
20.99% - 29.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
20.99% - 29.99%(Verified 08/24/2024)
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Credit Score Range
700 - 850
Annual Fee
$150
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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 and quickly find the best options for your needs. |
This is a rewards 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.
Key Takeaways
- Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 20.99% up to 29.99%.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 2.7% every time you make a transaction outside the U.S.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Hilton HHonors Surpass Card from American Express®
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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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gas | 6 x points (6X Points at U.S. gas stations) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Groceries | 6 x points (6X Points at U.S. supermarkets) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Hotels | 12 x points (12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Restaurants | 6 x points (6X Points at U.S. restaurants) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 3 x points (3X Points for all other eligible purchases on your Card) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Hilton HHonors Surpass Card from American Express® have a signup bonus?
Yes. Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.
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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Hilton HHonors Surpass Card from American Express® has a variable purchase APR that ranges from 20.99% up to 29.99%. The card has a variable balance transfer APR that ranges from 20.99% up to 29.99%. It also has a variable cash advance APR of 29.99% .
Note that late payments are subject to an APR of 29.99% 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®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $38 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2.7% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $150 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $150*$150 .
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 up to 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 customer service number for Hilton HHonors Surpass Card from American Express® 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 do people rate the customer service and user experience of Hilton HHonors Surpass Card from American Express®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does American Express® National Bank perform a hard credit pull?
Yes, Hilton HHonors Surpass Card from American Express® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Hilton HHonors Surpass Card from American Express®
- Visit the website of Hilton HHonors Surpass Card from American Express®.
- 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.
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Hours of Operation
Sunday
7:00AM - 12:00AM
Monday
7:00AM - 12:00AM
Tuesday
7:00AM - 12:00AM
Wednesday
7:00AM - 12:00AM
Thursday
7:00AM - 12:00AM
Friday
7:00AM - 12:00AM
Saturday
7:00AM - 12:00AM