Detailed Overview of the Hilton Honors American Express Surpass Card

The Hilton Honors American Express Surpass Card is a co-branded travel credit card issued by American Express, designed specifically for frequent travelers and Hilton loyalists. This card provides a wealth of travel rewards and benefits that cater to individuals looking for enhanced experiences while staying at Hilton properties globally.

Card Type

As a co-branded travel credit card, the Hilton Honors American Express Surpass Card stands out in its ability to offer exceptional rewards for hospitality and travel expenses, making it an ideal choice for travelers who prioritize accommodations when traveling.

Annual Fee

This credit card comes with an annual fee of $95. While there is an annual fee associated with the card, the numerous rewards and perks offered often justify the cost for frequent travelers.

Rewards Program

Cardholders enjoy a competitive rewards structure that allows them to earn points for every purchase. Users can earn 12 Hilton Honors Bonus Points for each dollar spent on eligible purchases at Hilton hotels, 6 points on eligible purchases at restaurants, supermarkets, and gas stations, and 3 points on all other purchases. Points can be redeemed for free nights at Hilton properties, experiences, and other travel-related expenses, giving cardholders flexibility in how they utilize their rewards.

Sign-Up Bonus

New cardholders can take advantage of an attractive welcome bonus. By spending just $3,000 in the first three months from account opening, new members can earn 130,000 Hilton Honors Bonus Points, which is sufficient for multiple free night stays at various Hilton properties.

APR (Annual Percentage Rate)

The standard APR for this card is variable, ranging from 15.99% to 24.99% based on creditworthiness. Currently, there are no introductory 0% APR offers available for purchases or balance transfers.

Foreign Transaction Fees

For those who often travel internationally, it’s important to note that the Hilton Honors American Express Surpass Card does not charge a foreign transaction fee. This feature can lead to significant savings when making purchases abroad.

Balance Transfer Options

While this card doesn’t have promotional balance transfer offers, it is essential for potential users to consider the regular balance transfer rates, which may include a fee. It is recommended to check with American Express for the latest terms regarding balance transfers.

Additional Fees

Besides the annual fee, cardholders should be aware of other potential fees, including late payment fees that can reach up to $40 and cash advance fees, which typically range from 3% to 5% of the transaction amount depending on the transaction type.

Card Benefits and Perks

The Hilton Honors American Express Surpass Card offers an array of benefits and perks, including complimentary Hilton Honors Gold status, which allows cardholders to enjoy unique privileges at Hilton properties such as complimentary breakfast and room upgrades. Additionally, cardholders have access to exclusive travel booking services and may enjoy perks like travel insurance and baggage insurance.

Customer Protections and Insurance

American Express provides strong customer protections, including fraud liability coverage which ensures that cardholders are not responsible for unauthorized charges. Furthermore, the card includes purchase protection and rental car insurance, adding an extra layer of security when making significant purchases or renting vehicles.

Eligibility and Credit Score Requirements

Potential applicants typically need a good to excellent credit score (generally considered to be a score of 700 or above) to qualify for the Hilton Honors American Express Surpass Card. Approval criteria may vary based on individual financial situations.

Introductory Offers

Currently, the Hilton Honors American Express Surpass Card does not come with any special introductory offers, such as 0% APR on purchases or balance transfers. However, the robust rewards structure and sign-up bonus make it an attractive option despite this.

Special Features or Unique Selling Points

This credit card is unique due to its complimentary Hilton Honors Gold status, which elevates a cardholder’s travel experience. This card is especially valuable for those who frequently stay at Hilton hotels and want to maximize their travel rewards.

How to Apply

Interested individuals can easily apply for the Hilton Honors American Express Surpass Card online via the official American Express website. To navigate directly to the application, click ‘>Apply Here.

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