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Tag: consumer protection credit card
Hilton Honors Surpass by Amex
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.
BMO Harris Platinum Rewards Mastercard
BMO Harris Platinum Rewards Mastercard: A Comprehensive Overview
The BMO Harris Platinum Rewards Mastercard, issued by BMO Harris Bank, offers an enticing opportunity for both casual and frequent spenders looking for a credit card that maximizes their rewards potential. This comprehensive guide will cover all the essential features, benefits, and limitations associated with this card, making it a worthy contender in your financial toolkit.
Card Type
The BMO Harris Platinum Rewards Mastercard is classified as a travel rewards credit card, designed specifically to cater to those who prioritize earning rewards on their everyday purchases while enjoying travel benefits.
Annual Fee
One of the most remarkable aspects of this card is that it comes with no annual fee. This makes it an excellent option for anyone looking to avoid extra charges while still receiving quality rewards.
Rewards Program
The BMO Harris Platinum Rewards Mastercard features a compelling rewards program that allows cardholders to earn points on every purchase. The standard rate is 3 points per dollar spent on travel purchases, along with 2 points per dollar spent on dining and entertainment. All other purchases earn 1 point per dollar. Points can be redeemed for various options, including travel bookings, merchandise, and gift cards, providing flexibility to suit your lifestyle.
Sign-Up Bonus
To make the card even more appealing, new applicants can take advantage of a generous sign-up bonus of 25,000 bonus points after spending $1,000 in the first three months from account opening. This can translate to a significant savings opportunity for your next vacation or special occasion.
APR (Annual Percentage Rate)
The regular APR for the BMO Harris Platinum Rewards Mastercard is competitive at 12.99% to 23.99%, based on creditworthiness. Currently, there is an introductory offer of 0% APR for the first 12 billing cycles on purchases and balance transfers, allowing cardholders to manage their finances effectively during the initial period.
Foreign Transaction Fees
When it comes to international travel, the BMO Harris Platinum Rewards Mastercard shines by offering no foreign transaction fees. This further enhances the cards appeal to globetrotters who want to avoid extra costs while spending abroad.
Balance Transfer Options
Cardholders can benefit from an introductory balance transfer offer of 0% APR for the first 12 billing cycles. This feature allows individuals to consolidate debt more efficiently without the burden of high-interest charges, making it easier to pay off existing credit card balances.
Additional Fees
While the BMO Harris Platinum Rewards Mastercard generally avoids imposing hefty fees, it is essential to note additional charges such as a late payment fee of up to $39, cash advance fees, and any associated penalties.
Card Benefits and Perks
The perks associated with the BMO Harris Platinum Rewards Mastercard make it a valuable asset for cardholders. Key benefits include:
– Travel insurance: Provides coverage for trip cancellations and delays.
– Concierge services: Offers assistance with travel bookings, event arrangements, and more.
– Access to exclusive offers: Cardholders can enjoy discounts and promotions from various partners.Customer Protections and Insurance
Built with consumer safety in mind, the BMO Harris Platinum Rewards Mastercard includes:
– Fraud liability protection: Cardholders are not held responsible for unauthorized transactions.
– Purchase protection: Covers stolen or damaged items purchased with the card.
– Rental car insurance: Offers coverage in case of accidents or damages while using a rental vehicle.Eligibility and Credit Score Requirements
To qualify for the BMO Harris Platinum Rewards Mastercard, applicants are typically required to have a credit score in the good to excellent range (generally a score above 700). Additionally, other criteria, including income verification and account history, may be considered.
Introductory Offers
As mentioned earlier, new cardmembers can benefit from 0% APR on purchases and balance transfers for the first 12 billing cycles. This introductory offer makes the card particularly attractive for those looking to make significant purchases or consolidate debt.
Special Features or Unique Selling Points
What sets the BMO Harris Platinum Rewards Mastercard apart from other travel rewards cards is its comprehensive benefits and user-friendly rewards structure. The points do not expire, allowing cardholders to accumulate rewards over time without pressure to redeem them quickly.
How to Apply
Applying for the BMO Harris Platinum Rewards Mastercard is straightforward. Prospective cardholders can apply online by visiting the ‘>Official Website or explore more financial insights on UpCube.net.