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Tag: Hilton Gold status
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.
Hilton Honors American Express Surpass Card
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.
For more finance-related insights, check out UpCube.net for expert advice and tips.