Last Updated: 05/14/2026
Hilton Honors American Express Surpass® Card
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Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
19.99% - 28.99%(Verified 09/19/2025)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A(Verified 09/22/2024)
Credit Score Range
N/A
Annual Fee
$150
Disclaimer popup with additional information
Hilton Honors American Express Surpass® Card Review
This is a travel card issued by American Express® National Bank. If you're wondering whether Hilton Honors American Express Surpass® Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 12x.
- Earn 155,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/14/2026.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 19.99% up to 28.99%.
- $0 intro annual fee for the first year. $0 introductory annual fee for the first year, then $150.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
Pros & Cons of Hilton Honors American Express Surpass® Card
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Hilton Honors American Express Surpass® Card FAQ
Does Hilton Honors American Express Surpass® Card have a cash back or rewards program?
Hilton Honors American Express Surpass® Card is a travel rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gas | 6 x points (Earn 6X Points for each dollar of purchases on your Card at U.S. gas stations) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Groceries | 6 x points (Earn 6X Points for each dollar of purchases on your Card at U.S. supermarkets) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Hotels | 3 x points - 12 x 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) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Restaurants | 6 x points (Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 3 x points (Earn 3X Points for all other eligible purchases on your Card) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online | Up to 4 x points (Earn 4X Points for each dollar on U.S. Online Retail Purchases) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Hilton Honors American Express Surpass® Card have a signup bonus?
Yes. Earn 155,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/14/2026.
Does Hilton Honors American Express Surpass® Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the relevant APRs for Hilton Honors American Express Surpass® Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Hilton Honors American Express Surpass® Card has a variable purchase APR that ranges from 19.99% up to 28.99%. Hilton Honors American Express Surpass® Card does not offer balance transfers. It also has a variable cash advance APR of 29.24% .
Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Hilton Honors American Express Surpass® Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Hilton Honors American Express Surpass® Card does not offer balance transfers.Does Hilton Honors American Express Surpass® Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Hilton Honors American Express Surpass® Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $150 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee First Year? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $150*$0 introductory annual fee for the first year, then $150. .
Does Hilton Honors American Express Surpass® Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Hilton Honors American Express Surpass® Card?
The customer service number for Hilton Honors American Express Surpass® Card is (800) 528-4800.
What is the support contact email for Hilton Honors American Express Surpass® Card?
The support contact email for Hilton Honors American Express Surpass® Card is info@americanexpress.com.
How do people rate the customer service and user experience of Hilton Honors American Express Surpass® Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Hilton Honors American Express Surpass® Card report your account activity to credit bureaus?
Yes, Hilton Honors American Express Surpass® Card reports to the following credit bureaus:
- 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 build your credit.
Does American Express® National Bank perform a hard credit pull?
Yes, Hilton Honors American Express Surpass® Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Hilton Honors American Express Surpass® Card
- Visit the website of Hilton Honors American Express Surpass® Card.
- 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Hilton Honors American Express Surpass® Card Disclosure: Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. All information about Hilton Honors American Express Surpass® Card has been collected independently by SuperMoney. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
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.
Hours of Operation
Sunday
7:00AM - 12:00AM
Monday
7:00AM - 12:00AM
Tuesday
7:00AM - 12:00AM
Wednesday
7:00AM - 12:00AM
Thursday
7:00AM - 12:00AM
Friday
7:00AM - 12:00AM
Saturday
7:00AM - 12:00AM
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Other Credit Cards from American Express® National Bank
Purchase APR
18.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$0 - $150
Disclaimer popup with additional information
Purchase APR
20.74% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$325
Disclaimer popup with additional information
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$0
Purchase APR
20.74% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$895
Purchase APR
21.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
21.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$150
Rating not yet determined
Purchase APR
20.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$550
Rating not yet determined
Purchase APR
18.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$5K
Rating not yet determined
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$650
Disclaimer popup with additional information
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
+100
-1000+100
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Everyone recommends
Hilton Honors American Express Surpass® Card Community Reviews
Would you recommend Hilton Honors American Express Surpass® Card to your friends?
TL
Tawnja L.
Oct 18, 2022
May or may not recommend
This card is absolutely awesome! Even though you have an annual fee it pretty much pays for itself with the amount you save on hotels using points you accumulate from purchases. Even though the annual fee is a bit high try not to carry a balance to avoid that.
Showing 1 of 1 reviews
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