SuperMoney
  Hilton Honors American Express Surpass®  Credit Card
Hilton Honors American Express Surpass® Credit Card Claimed

Hilton Honors American Express Surpass® Credit Card

Claimed
Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

Explore a similar product
Try this top product in Credit Cards.
Chime secured Credit Builder Visa® Credit Card
Chime secured Credit Builder Visa® Credit Card 14 reviews
Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 18.74% - 27.74%
(Verified 10/27/2022)
Balance Transfer APR  (Variable APR) 18.74% - 27.74%
(Verified 10/27/2022)
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.

Key Takeaways

  • Earn 150,000 Hilton Honors™ Bonus Points after you spend $2,000 (the "Threshold Amount") on eligible purchases on your Card in your first 3 months of Card Membership starting from the date your account is approved.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.74% up to 27.74%.
  • 3% Balance transfer fee. Hilton Honors American Express Surpass® Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
  • 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.
  • Good or better credit required. You will have low approval odds if your credit score is below 690.

Pros & Cons of Hilton Honors American Express Surpass® Credit Card

The Good The Bad
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Hilton Honors American Express Surpass® Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • You need good credit to qualify.
  • 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

Does Hilton Honors American Express Surpass® Credit Card have a cash back or rewards program?

Hilton Honors American Express Surpass® Credit Card is a travel rewards card.

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?

This 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?

This card doesn't offer a cash loyalty bonus.

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

This is a charge card and therefore doesn't have a regular APR or 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:

Hilton Honors American Express Surpass® Credit Card Fees
Fees Amount
Annual Fee $95
Foreign Transaction Fee 0%
Returned Payment Fee up to $40
Late Payment Fee up to $40

Does Hilton Honors American Express Surpass® Credit 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® Credit Card?

The Hilton Honors American Express Surpass® Credit Card customer service number is (800) 528-4800.

What is the support contact email for Hilton Honors American Express Surpass® Credit Card?

The support contact email for Hilton Honors American Express Surpass® Credit Card is info@americanexpress.com.

What is the Hilton Honors American Express Surpass® Credit Card login page?

You can access the Hilton Honors American Express Surpass® Credit Card login page here.

How do people rate the customer service and user experience of Hilton Honors American Express Surpass® Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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 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.

Contact

Hours of Operation

  • Sunday 7:00am - 12:00pm
  • Monday 7:00am - 12:00pm
  • Tuesday 7:00am - 12:00pm
  • Wednesday 7:00am - 12:00pm
  • Thursday 7:00am - 12:00pm
  • Friday 7:00am - 12:00pm
  • Saturday 7:00am - 12:00pm

Other Services by American Express National Bank

Icon for Credit Cards
View all credit cards offered by American Express National Bank

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
Annual Fee $95
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 690 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Bonus Offer Earn 150,000 Hilton Honors™ Bonus Points after you spend $2,000 (the "Threshold Amount") on eligible purchases on your Card in your first 3 months of Card Membership starting from the date your account is approved.
Rewards Categories
  • 6x Points on Gas
  • 6x Points on Groceries
  • 12x Points on Hotels
  • 6x Points on Restaurants
  • 3x Points on Every Purchase
Signup Bonus (points) 125,000
Cash Advance APR (Variable APR) Starting at 28.24%
APR Type Variable APR
Balance Computation average daily balance
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 18.74% - 27.74%
(Verified 10/27/2022)
Balance Transfer APR (Variable APR) 18.74% - 27.74%
(Verified 10/27/2022)
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Balance Transfer
  • Travel
  • Bonus Offers
  • Charge Card
Card Network American Express

Hilton Honors American Express Surpass® Credit Card Community Reviews

 

Would you recommend Hilton Honors American Express Surpass® Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

sorted by

Other Credit Cards

American Express National Bank Credit Cards

Loading...