Tag: complimentary status

Hilton Honors Surpass Amex Credit Card: A Comprehensive Overview

In the competitive landscape of credit cards, the Hilton Honors Surpass Amex stands out as a premium travel rewards card designed for frequent travelers and Hilton loyalists alike. Issued by American Express, this co-branded credit card offers a wealth of benefits that can enhance your travel experiences while providing generous rewards on everyday purchases.

Card Type

The Hilton Honors Surpass Amex is primarily a travel rewards credit card. It’s designed to offer significant rewards for those who stay at Hilton properties and travel extensively, making it an ideal choice for both leisure and business travelers.

Annual Fee

This card comes with an annual fee of $95, which is fairly competitive in the travel rewards credit card sector. While there is a fee, the extensive perks and benefits make it worthwhile for frequent travelers.

Rewards Program

The Hilton Honors Surpass Amex features a robust rewards structure that is especially beneficial for travelers. Cardholders earn:

• 12 points per dollar spent on eligible purchases at Hilton hotels and resorts.
• 6 points per dollar on select US restaurants and supermarkets.
• 3 points per dollar on all other eligible purchases.

Points earned can be redeemed for free nights, room upgrades, or experiences through the Hilton Honors program, making it a versatile rewards program.

Sign-Up Bonus

New cardholders can receive a generous welcome bonus of 130,000 Hilton Honors points after spending $2,000 in the first three months of account opening. This bonus is significant enough to afford several free nights at premium Hilton properties.

APR (Annual Percentage Rate)

The regular APR for the Hilton Honors Surpass Amex varies, typically around 15.99% to 22.99%, depending on your creditworthiness. At times, an introductory APR offer may be available for new cardholders on purchases or balance transfers.

Foreign Transaction Fees

One of the key perks for international travelers is that the Hilton Honors Surpass Amex does not charge any foreign transaction fees. This feature makes it a great option for those who frequently travel abroad.

Balance Transfer Options

If you’re considering consolidating debt, the card may offer 0% APR on balance transfers for the first 12 months. However, an introductory balance transfer fee typically applies.

Additional Fees

The Hilton Honors Surpass Amex includes other important fees such as:

• Late payment fees: Up to $40
• Cash advance fees: Either $5 or 3% of the amount, whichever is higher.

Card Benefits and Perks

This card is packed with valuable benefits and perks designed to enhance your travel experience. Notable features include:

• Complimentary Hilton Honors Gold status, allowing for room upgrades and late checkouts.
• Access to premium concierge services.
• No blackout dates when booking with points.
• Automatic annual free weekend night reward upon renewal.

Customer Protections and Insurance

Cardholders enjoy several important protections and insurance options, such as:

• Fraud liability coverage.
• Purchase protection for eligible purchases.
• Rental car insurance when using the card to pay for the rental.

Eligibility and Credit Score Requirements

To qualify for the Hilton Honors Surpass Amex, applicants typically need a credit score in the good to excellent range (700+). Other factors may also influence approval.

Introductory Offers

As noted, the card offers a strong sign-up bonus and might include promotional 0% APR for a specified period. Check with the issuer for current offers.

Special Features or Unique Selling Points

The Hilton Honors Surpass Amex is known for its unique selling points, including the ability to earn a free night at any Hilton property after spending a set amount within the first year. Additionally, the well-integrated Hilton Honors program allows for seamless earning and redemption of points.

How to Apply

Applying for the Hilton Honors Surpass Amex is straightforward. Interested applicants can UpCube.net for guidance.