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  Hilton Honors American Express Surpass®  Credit Card

Hilton Honors American Express Surpass® Credit Card

in Personal Credit Cards from American Express National Bank

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Hilton Honors American Express Surpass® Credit Card

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in Personal Credit Cards from American Express National Bank

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Highlights
Purchase APR  (Variable APR) 17.99% - 26.99%
Balance Transfer APR  (Variable APR) 17.99% - 26.99%
Credit Score Range 690 - 850
Annual Fee $95

Hilton Honors American Express Surpass® Credit Card Review

If you're wondering whether Hilton Honors American Express Surpass® Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Signup bonus. Offers a signup bonus of 125000 points after spending $2,000 that can be redeemed for travel, gifts, or other perks.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.99% up to 26.99%.
  • 3% Balance transfer fee. Hilton Honors American Express Surpass® Credit Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Good or better credit required. You should probably try with another card if your credit score is below 690.
Hilton Honors American Express Surpass® Credit Card Pros & Cons
The Good The Bad
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Hilton Honors American Express Surpass® Credit Card is accepted.
  • Hilton Honors American Express Surpass® Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Requires good to excellent credit.
  • Charges an annual fee of $95
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.
Hilton Honors American Express Surpass® Credit Card FAQ

Is there a Hilton Honors American Express Surpass® Credit Card cash back or rewards program?

Hilton Honors American Express Surpass® Credit Card offers a rewards program to its customers.

Hilton Honors American Express Surpass® Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus (Points/Miles) 125000
Signup Bonus Spend Requirement $2000

Does Hilton Honors American Express Surpass® Credit Card have a signup bonus?

Hilton Honors American Express Surpass® Credit Card doesn't offer a cash signup bonus. However, it does include a 125000 points signup bonus after spending $2000 that can be redeemed for travel, gifts, or other perks.

Does Hilton Honors American Express Surpass® Credit Card offer an annual loyalty bonus?

Hilton Honors American Express Surpass® Credit Card doesn't offer a cash loyalty bonus.

What are the relevant APRs for Hilton Honors American Express Surpass® Credit Card?

Hilton Honors American Express Surpass® Credit Card is a charge card and therefore doesn't have interest charges. You must pay your balance in full every month.

What are the fees for Hilton Honors American Express Surpass® Credit Card?

The following fees apply to Hilton Honors American Express Surpass® Credit Card:

Hilton Honors American Express Surpass® Credit Card Fees
Fees Amount
Annual Fee $95
Foreign Transaction Fee 0%
Returned Payment Fee up to $38
Late Payment Fee up to $38

Does Hilton Honors American Express Surpass® Credit Card have a foreign transaction fee?

Hilton Honors American Express Surpass® Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Does Hilton Honors American Express Surpass® Credit Card report your account activity to credit bureaus?

Yes, Hilton Honors American Express Surpass® Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Hilton Honors American Express Surpass® Credit Card

  • Visit the Hilton Honors American Express Surpass® Credit Card 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...
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.

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

Every Purchase (Points) EARN 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. EARN 6X HILTON HONORS BONUS POINTS for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee  
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $5
Annual Fee $95
Returned Payment Fee Up to $38
Late Fee Amount Up to $38
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 690 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Bonus Rewards Earn 125,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card within your first 3 months of Card Membership.
Rewards Categories
  • Car Rentals
  • Every Purchase
  • Gas
  • Groceries
  • Hotels
  • Restaurants
Signup Bonus (points) 125,000
Cash Advance APR (Variable APR) Starting at 27.49%
Balance Computation average daily balance
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 17.99% - 26.99%
Balance Transfer APR (Variable APR) 17.99% - 26.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Balance Transfer
  • Travel
  • Bonus Offers
  • Charge Card
Card Network American Express

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SUPERMONEY NET RECOMMENDATION SCORE

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