Discover the Hilton Honors Surpass by Amex: An Ultimate Travel Rewards Credit Card

The Hilton Honors Surpass by Amex is a premier travel rewards credit card issued by American Express. Designed for travelers looking to maximize their rewards while enjoying an array of benefits, this card is a fantastic option for Hilton loyalists. With a focus on travel rewards, this card not only provides excellent earning potential but also delivers numerous perks to enhance your travel experience.

Card Type

The Hilton Honors Surpass by Amex is a co-branded travel rewards card, which means it is specifically designed to offer benefits geared toward Hilton Hotels and the Hilton Honors loyalty program. This card is particularly appealing for those who frequently stay at Hilton properties.

Annual Fee

This card comes with a modest annual fee of $95. While this fee may seem high for some, the extensive benefits and rewards structure of the card can easily outweigh the costs for avid travelers.

Rewards Program

The Hilton Honors Surpass by Amex features an attractive rewards structure that allows cardholders to earn 12 points per dollar spent at Hilton hotels, 6 points per dollar at US restaurants, supermarkets, and gas stations, and 3 points per dollar on all other purchases. These points can be redeemed for free nights, travel adventures, or experiences within the Hilton Honors program, making it an ideal card for those seeking travel rewards.

Sign-Up Bonus

New cardholders can take advantage of a lucrative welcome bonus. Currently, you can earn 130,000 Hilton Honors bonus points after spending $2,000 on purchases in the first 3 months upon account opening. This bonus can be a significant boost for those looking to enjoy complimentary stays at Hilton properties.

APR (Annual Percentage Rate)

The card offers a variable APR of 15.74% to 24.74%, based on your creditworthiness. There are no introductory APR offers, so it’s crucial to manage your payments to avoid incurring high interest charges on any balance carried over.

Foreign Transaction Fees

The Hilton Honors Surpass card has no foreign transaction fees. This feature is particularly beneficial for frequent travelers, as it allows you to use your card abroad without worrying about additional fees, making it a truly global travel companion.

Balance Transfer Options

Currently, the Hilton Honors Surpass by Amex does not offer promotional balance transfer rates or features. If you’re considering balance transfers, you might want to look at other credit card options that cater specifically to balance transfers.

Additional Fees

Be aware of other important fees associated with the card, including a late payment fee that can go up to $39 and a cash advance fee of either $10 or 5% of the amount of each cash advance, whichever is greater. Understanding these fees can help you avoid unexpected costs.

Card Benefits and Perks

Cardholders enjoy numerous benefits beyond just the rewards program. These include complimentary Hilton Honors Gold status, which provides perks such as room upgrades and free breakfast, as well as various travel protections, rental car insurance, and access to exclusive events. Additionally, you can enjoy no blackout dates when making reservations using points.

Customer Protections and Insurance

The Hilton Honors Surpass by Amex comes equipped with several consumer protections, such as fraud liability protection, which means you’re not responsible for unauthorized purchases. The card also features purchase protection for eligible items and rental car insurance, providing peace of mind while traveling.

Eligibility and Credit Score Requirements

To qualify for the Hilton Honors Surpass by Amex, you generally need a good to excellent credit score, typically ranging from 700 to 850. Meeting these criteria can increase your chances of approval.

Introductory Offers

Currently, there are no introductory APR offers; however, the robust rewards structure and sign-up bonus can make up for the lack of an introductory period for purchases.

Special Features or Unique Selling Points

One of the standout features of the Hilton Honors Surpass by Amex is its ability to earn bonus points for satisfying travel needs, like dining and gas purchases. Additionally, the complimentary automatic Gold status provides significant value for frequent travelers.

How to Apply

Applying for the Hilton Honors Surpass by Amex is straightforward. Visit the ‘>Apply Here today! For more insights on financial products, check out UpCube.net.