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.

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

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 Hilton Honors American Express Surpass® Credit Card fees?

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%
Balance Transfer Fee	3%
Minimum Balance Transfer Fee	$5
Returned Payment Fee	up to $38
Late Payment Fee	up to $38

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 score.

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

• Visit the American Express National Bank website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• 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.