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 and 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.

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 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 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 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.