Amex Hilton Surpass Card

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welcome offer

Earn 130,000 points after $2,000 spent within the first 3 months (terms apply). Expires 12/31/2020.

Bonus Cash Value

Approximately $650*

Annual Fee

$95

Card Rewards

12 points on Hilton purchases

6 points at US gas stations, US supermarkets and US restaurants

3 points on all other purchases

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The Hilton Surpass card really is the perfect card to use to rack up Hilton points! Earn 12 points on each dollar spent with Hilton hotels, 6 points on gas, supermarkets, and dining in the US, and 3 points per dollar on all other purchases. Enjoy some great benefits during your Hilton stay, like, complimentary Gold status, (and possibly Diamond status), and a weekend night reward after you spend $15,000 in purchases on your Card in a calendar year. The Hilton Honors Surpass card is also the cheapest credit card that comes along with the Priority Pass airport lounge access.

Card-Smart Tips & Advice
  • Fair credit is ok
  • You can only get approved for 2 Amex cards in 90 days. A customer can have up to 4 Amex credit cards (excluding charge cards). If you already have 4 open Amex credit cards you may be declined (this is not always enforced)
  • Amex will usually pull your Experian credit report
  • You can check your application status here or call 1 800 567 1083
  • If declined you can call 1 800 567 1083 to be reconsidered
  •  
Welcome Offer Eligibility
You can only receive 1 welcome bonus per lifetime on each Amex credit card. If you are not eligible for the welcome bonus you will be notified by Amex before you submit the application.
Card Details And Benefits
  • Earn a weekend night reward from Hilton Honors after $15,000 spent in a calendar year
  • Complimentary Gold Status. Earn Hilton Honors Diamond Status through the next calendar year after $40,000 spent
  • Receive 10 free Priority Pass lounge passes annually
  • Global Assist Hotline
  • No Foreign Transaction Fee
  • Lounge Access
  • Auto Rental Collision Insurance
  • Lost Luggage Reimbursement
  • Extended Warranty Protection
  • Purchase Protection

Compare Cards

CardHilton Honors Amex Aspire CardAmex Hilton Surpass CardHilton Honors Card
Welcome BonusEarn 150,000 points after $4,000 spent within the first 3 months (terms apply). Expires 12/05/2020.Earn 130,000 points after $2,000 spent within the first 3 months (terms apply). Expires 12/31/2020.Earn 80,000 points after $1,000 spent within the first 3 months (terms apply).
Annual Fee$450$95$0
Rewards- 14 points on Hilton hotels - 7 points on flights booked through amextravel.com or directly with the airline, and on car rentals booked directly with the company - 7 points at restaurants - 3 points on all other eligible purchases- 12 points on Hilton purchases - 6 points at US gas stations, US supermarkets and US restaurants - 3 points on all other purchases- 7 points on Hilton purchases made directly with a Hilton hotel or resort - 5 points at US supermarkets and US restaurants, and US gas stations - 3 points on all other eligible purchases
Upgraded StatusEnjoy complimentary Hilton Diamond statusEnjoy complimentary Hilton Gold Status. Earn Hilton Honors Diamond Status through the next calendar year after $40,000 spent annually Enjoy complimentary Hilton Silver status or upgrade to Hilton Gold status after you spend $20,000 or more in a calendar year
CreditsReceive $250 airline fee credit per year for incidental fees. Receive a $250 credit each year for purchases at participating Hilton Resorts. Receive a $100 property credit when booking 2 nights or more at Waldorf Astoria or Conrad Hotels (reference ZZAAP1 when booking by phone)
Free Night CertificateReceive 1 free Hilton weekend night the first year, and every year upon renewalEarn a weekend night reward from Hilton Honors after $15,000 spent in a calendar year
No Foreign Transaction FeeNoneNone
Lounge AccessAccess for you plus two guests to 12,000+ airport lounges, with a complimentary Priority Pass Select Membership Receive 10 free Priority Pass lounge passes annually
Trip Cancellation InsuranceCoverage for canceled or interrupted travel due to a unforeseen medical emergency, etc. Max $10,000 per person per trip for a max of $20,000 per year.
Auto Rental Collision InsuranceSecondary worldwide coverage (excluding Australia, Italy, and New Zealand) on rentals up to 30 days (max $75,000). You can purchase from Amex a premium plan that will offer primary coverage up to 42 days (max $100,000).Secondary worldwide coverage (excluding Australia, Italy, and New Zealand) on rentals up to 30 days (max $50,000). You can purchase from Amex a premium plan that will offer primary coverage up to 42 days (max $100,000).Secondary worldwide coverage (excluding Australia, Italy, and New Zealand) on rentals up to 30 days (max $50,000). You can purchase from Amex a premium plan that will offer primary coverage up to 42 days (max $100,000).
Lost Luggage ReimbursementUp to $2,000 per person for lost or damaged luggage (max $10,000 per trip for NY residents)Up to $500 per person for lost or damaged luggage (max $10,000 per trip for NY residents)
Trip Delay ReimbursementIf your flight is delayed more than 6 hours you can claim up to $500 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items (up to two claims per year).
Return ProtectionNot happy with a purchase? Get a refund on purchases that are passed the store return policy for up to 90 days. Max $300 per claim, $1,000 per year)
Extended Warranty ProtectionGet one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 5 years or less. Max $10,000 each claim and $50,000 per year.Get one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 5 years or less. Max $10,000 each claim and $50,000 per year.Get one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 5 years or less. Max $10,000 each claim and $50,000 per year.
Purchase ProtectionGet refunded if your purchase is damaged, lost, or stolen for up to 90 days from the date of purchase. Max $10,000 per claim ($50,000 per year)Get refunded if your purchase is damaged or stolen for up to 90 days from date of purchase. Max $1,000 per claim ($50,000 per year)Get refunded if your purchase is damaged or stolen for up to 90 days from date of purchase. Max $1,000 per claim ($50,000 per year)
Authorized User Fee$0$0$0

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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