Reviews & Info for Hilton Honors American Express Surpass® Credit Card | September 2020

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 every purchase. Earn rewards on every purchase. Hilton Honors American Express Surpass® Credit Card reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.	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 rewards.

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 ($)	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?

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 can 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.

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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

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World Financial Center
200 Vesey Street
New York, NY 10285
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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

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

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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 Military Dependent Non-Military Veterans
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 - 850 850 300 690

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%

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Hilton Honors American Express Surpass® Credit Card

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