Who is this credit card designed for?

Hilton HHonors Surpass Card from American Express® is a credit card issued by American Express® Hilton HHonors Surpass Card, which is based in New York, NY, and was established in 1850.

It is for people with a credit score of 700 to 850. A rewards program is included that allows you to convert your purchases into travel, gifts, and other perks.

What are the relevant APRs?

American Express® Hilton HHonors Surpass Card charges a variable APR on new purchases that ranges from 15.49% to 19.49%. Balance transfer APRs, which are also variable, range from 15.49% 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.

Is an introductory APR offer available?

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

What are the fees?

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

  • A late payment penalty of $38.
  • A returned payment fee of $38.
  • A foreign transaction fee of 2.7%. Transactions in a foreign currency get hit with a 2.7% commission. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $27.
  • Is a rewards program offered?

    Hilton HHonors Surpass Card from American Express® offers a rewards program to its customers. You can earn more rewards if you make purchases in the following categories:

  • Gas
  • Groceries
  • Restaurants
  • Travel
  • Every purchase
  • Is a signup bonus offered?

    No, it doesn't offer a cash signup bonus. The signup bonus includes 75000 points that can be redeemed for gifts and other perks.

    What additional benefits does are offered?

    Hilton HHonors Surpass Card from American Express® provides the following benefits:

  • Car rental insurance
  • Emergency support
  • Extended warranty
  • Flight insurance
  • Fraud liability
  • Lost luggage insurance
  • Travel insurance
    • Credit Score Range
      700 - 850
    • Employment Statuses Considered
      • Employed Full-Time
      • Employed Part-Time
      • Other
      • Retired
      • Self-Employed
      • Unemployed
    • Immigration Status Considered
      • U.S. Citizen
      • U.S. Permanent Resident
    • Military Status
      • Active Duty Military
      • Military Dependent
      • Non-Military
      • Veterans
    • Minimum Age
    • Supported Income Types
      • 1099 Misc. Income
      • Cash / Other
      • Direct Deposit (W2, SSA, SSDI)
      • Payroll Check or Prepaid Card
    • Customer Type
    • Annual Fee
    • Grace Period / Deferred Interest
    • Late Payment Penalty
    • Returned Payment Fee
    • Foreign Currency Transaction Fee
    • Card Type
    • Card Network
      American Express
    • Car Rental Insurance
    • Emergency Support
    • Extended Warranty
    • Flight Insurance
    • Fraud Liability
    • Lost Luggage Insurance
    • Travel Insurance
    • Points
    • Signup Bonus (points)
    • Penalty APR
    • Purchases APR (variable)
      15.49% - 19.49%
    • Transfer Fee
      3% or $5
    • Balance Transfer APR (variable)
      15.49% - 19.49%
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