Hilton Honors American Express Surpass® Card

American Express American Express Surpass Pending

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20

Benefits

5

Reward Categories

12x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: hilton-honors-surpass

Issuer: American Express

Card Name: Hilton Honors American Express Surpass® Card

Card Type: Credit

Network: American Express

Card Tier: Surpass

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 07:40

Last Scraped: Jan 22, 2026 07:05

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 5 Categories
PENDING
Category Rate Type Description Annual Cap Status
Hilton Purchases 12x Points 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio. No Cap
U.S. Restaurants 6x Points 6X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants. No Cap
U.S. Supermarkets 6x Points 6X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. supermarkets. No Cap
U.S. Gas Stations 6x Points 6X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. gas stations. No Cap
All Other Purchases 3x Points 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. No Cap
Rewards Summary
PENDING

Reward Type: Hilton Honors Points

Base Rate: 3x

Bonus Rate: 12x

Categories: 12x Hilton Hotels & Resorts; 6x U.S. Restaurants, U.S. Supermarkets, U.S. Gas Stations; 3x All other eligible purchases

Quarterly Rotating: No

Cap Amount: $0.00

Expiration Policy: Points do not expire as long as the Hilton Honors account remains active (qualifying activity every 24 months).

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: N/A (points are primarily redeemed within the Hilton Honors program)

Redemption Penalties: None for standard point redemptions.

Benefits & Protections (Detailed) 20 Total
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Financial Tools 2
Pay It Plan It®
Flexible payment options

Pay It®: Pay for small purchases right away. Plan It®: Split up large purchases into monthly payments with a fixed fee.

American Express® App
Mobile account management

Manage your account, track spending, and access benefits on the go.

Hotel Benefits / Rewards 1
Annual Free Night Reward
1 Free Night Reward

Earn a Free Night Reward after you spend $15,000 on eligible purchases on your Card in a calendar year.

Hotel Benefits / Status 2
Complimentary Hilton Honors Gold Status
Complimentary Gold Status

Enjoy complimentary Hilton Honors Gold status with your Hilton Honors American Express Surpass® Card. Gold status offers benefits like an 80% Points bonus on stays, complimentary breakfast at most brands, and space-available room upgrades.

Path to Hilton Honors Diamond Status
Upgrade to Diamond Status

Spend $40,000 on eligible purchases on your Card in a calendar year and you can upgrade to Hilton Honors Diamond status through the end of the next calendar year.

Purchase Protection 3
Purchase Protection
Up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.

Purchase Protection can help protect eligible purchases made on your Card in the event they are accidentally damaged, stolen, or lost for up to 90 days from the date of purchase.

Extended Warranty
Up to 1 additional year

When you use your Card for eligible purchases, you can get up to one extra year added to the original manufacturer's warranty. Applies to warranties of five years or less.

Return Protection
Up to $300 per item

If you try to return an eligible item within 90 days from the date of purchase and the merchant won't take it back, American Express may refund the full purchase price, up to $300 per item, up to a maximum of $1,000 per Card Member account per calendar year.

Rewards 3
Hilton Purchases Rewards
12X Points per $1

Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.

Restaurant, Supermarket, and Gas Station Purchases Rewards
6X Points per $1

Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.

Other Purchases Rewards
3X Points per $1

Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.

Security / Financial Tools 1
Account Alerts
Real-time account notifications

Get alerts for suspicious activity, payment reminders, and more.

Security / Protection 1
Fraud Protection
Fraud liability protection

American Express helps protect you from fraud. If you're a victim of fraud, you are not held responsible for fraudulent charges.

Shopping Benefits / Discounts 1
Amex Offers
Various discounts and bonus points

Get discounts and earn extra points on purchases with Amex Offers.

Travel Benefits / Fees 1
No Foreign Transaction Fees
$0 Foreign Transaction Fees

No foreign transaction fees on purchases made abroad.

Travel Insurance 3
Car Rental Loss and Damage Insurance
Secondary coverage for rental car damage/theft

When you use your eligible Card to reserve and pay for the entire rental and decline the collision damage waiver (CDW) at the rental car counter, you can be covered for damage to or theft of a rental vehicle in a covered territory.

Baggage Insurance Plan
Up to $1,250 for checked baggage; up to $1,500 for carry-on baggage.

Coverage for eligible lost, damaged, or stolen baggage when you purchase your entire fare for a Common Carrier ticket on your eligible Card.

Trip Delay Insurance
Up to $300 per trip

If a round-trip is delayed for more than 6 hours, you may be covered for up to $300 per trip, for up to 2 claims per eligible Card per 12 consecutive month period.

Travel Insurance / Assistance 1
Global Assist® Hotline
Travel assistance services

For coordination and assistance services when you travel more than 100 miles from home. Card Members are responsible for the costs charged by third-party service providers.

Welcome Offer / Rewards 1
Welcome Offer Bonus Points
130,000 Bonus Points

Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Global Entry Credit: $100

TSA PreCheck Credit: $85

Hotel Status: Hilton Honors Gold

Sign-Up Bonus
PENDING

130,000

Points/Miles

Requirement: Spend $3,000 in 180 days

Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.

Fee Structure
PENDING
Annual Fee: $150.00
Year 1 Waived: No
Effective Annual Fee: $-50.00
Authorized User Fee: $0.00
Penalty APR: 0.00%
Min Interest Charge: $2.00
Additional Fees
PENDING
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 & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 0%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 12 months

Intro BT APR: 0% for 0 months

Promo Financing: Plan It

Promo Duration: 12 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Supported
Application Process
Available
Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Welcome Bonus Eligibility: American Express generally enforces a 'one welcome bonus per card product per lifetime' rule. This means applicants are typically ineligible for the welcome bonus if they have ever had this specific Hilton Honors Surpass card product before. Application Velocity: A maximum of two American Express credit card applications are permitted within any 90-day period (the '2/90 rule'). General Eligibility: Applicants are typically required to have excellent credit (e.g., FICO score usually 700+), a stable income, and a good payment history with American Express (if applicable). American Express may also consider factors like existing credit limits and overall relationship with the issuer.

Max Cards Per Issuer: 5

Min Spend Interval: 6 months

Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases, reselling, or payment of bills with credit cards to meet spend), high cumulative credit limit across Amex cards relative to income, rapid spending on new cards followed by prolonged inactivity, cycling credit limits, applying for too much credit too quickly, abusing return policies, frequent balance transfers without new spending, or any activity deemed to be gaming the rewards system.

Cliff Effect Rules: American Express's 'once per lifetime' rule applies to each specific card product. Obtaining a welcome bonus for the Hilton Honors Surpass card will prevent you from receiving another bonus for *this specific card* in the future. However, it does not typically prevent you from earning bonuses on other distinct Hilton Honors co-branded cards (e.g., Hilton Honors Aspire, Hilton Honors Business) as long as you haven't had *those specific cards* before. There are no known 'family' rules that would prevent you from getting a bonus on a different Hilton co-brand card.

Special Events: N/A

Holiday Promos: N/A

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.1 / 5.0

Top Positive:
Users highly value the automatic Hilton Honors Gold status, which provides significant benefits like complimentary breakfast and room upgrades. The annual free night certificate and strong earning rates on Hilton purchases are also frequently praised, along with the Priority Pass Select membership for airport lounge access.

Top Negative:
Some users express concerns about the annual fee if they don't maximize the benefits, and the rewards are primarily tied to Hilton properties, limiting flexibility for those who prefer diverse travel options. The card's value can diminish if travel patterns change or if the free night certificate is not fully utilized.

Approval Experience: 88.5 / 100

Recommended Alternatives
  • Hilton Honors Aspire Card
  • Marriott Bonvoy Boundless Credit Card
  • American Express Green Card

Card Value Score: 82.0 / 100

Est. Annual Rewards: $850.00

Approval Probability: 90.0%

Version Control
PENDING

Version ID: v1.0