Hilton Honors American Express Surpass® Card
Basic Information
Program ID: hilton-honors-surpass
Issuer: American Express
Card Type: Credit
Network: American Express
Card Tier: Premium
Data Complete: Yes
Created: 01/07/2026 07:40
Last Scraped: 01/15/2026 05:36
Fee Structure
| Annual Fee: | $150.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $-170.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,099.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 12 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $130,000.00
Spending Requirement: $3,000.00
Time Period: 180 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Rewards Program
Reward Type: Hilton Honors Points
Base Reward Rate: 3.00%
Bonus Reward Rate: 12.00%
Bonus Categories: 12x Hilton Hotels & Resorts; 6x U.S. Restaurants, U.S. Supermarkets, U.S. Gas Stations; 3x All other eligible purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire after 24 months of account inactivity.
Transfer Partners: N/A (Points are Hilton Honors points, not transferable to other major loyalty programs at favorable rates)
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $100.00
- TSA PreCheck Credit: $85.00
- Hotel Status: Hilton Honors Gold
Approval Criteria
Recommended FICO Range: 690 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the welcome bonus is generally restricted to applicants who have not previously held the Hilton Honors American Express Surpass Card. American Express enforces a 'one welcome bonus per card per lifetime' policy for this specific product. Applicants must also adhere to the American Express 2/90 rule, limiting new credit card applications to a maximum of two within a 90-day period. A good to excellent credit score is typically required for approval, and American Express may consider factors such as existing credit relationships, recent application history, and overall creditworthiness.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases, payment of non-eligible bills for points), high cumulative credit limit across all American Express cards relative to reported income, rapid succession of applications or account openings/closings, suspicious spending patterns inconsistent with typical consumer behavior, and any breach of American Express's terms and conditions.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.1 / 5.0
Top Positive Feedback:
High earning rates on Hilton purchases, complimentary Hilton Honors Gold status, annual free night certificate after spending, and valuable travel benefits.
Top Negative Feedback:
Annual fee, limited redemption options outside of Hilton properties, and potentially lower earning rates on non-bonus categories.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- American Express Hilton Honors Aspire Card
- Chase Sapphire Preferred Card
- Marriott Bonvoy Boundless Credit Card
Card Value Score: 80.0 / 100
Est. Annual Rewards: $700.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 84 months
Store vs Co-brand: 60% General / 40% Hilton
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0