Information about the Hilton Honors American Express Surpass® Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication. 12X points per dollar for eligible purchases on your card made directly with a participating hotel or resort within the Hilton portfolio; 6X points for eligible purchases at U.S. restaurants, U.S. supermarkets and U.S. gas stations; 3X
points for other eligible purchases Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first three months of card membership. $95. None 18.74% - 27.74% variable N/A None Excellent/Good Welcome bonusThe Hilton Honors American Express Surpass® Card is currently offering a welcome offer of: Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the card in the first 3 months of card membership. Keep in mind that you will also earn Hilton Honors points as you spend on the card to reach these spending thresholds. Even if you were to spend exactly $2,000 in the first three months, at a minimum of 3 Hilton Honors points per $1 spent, that is an additional 6,000 points — giving you a total of 136,000 Hilton Honors points. Hilton Honors points are valued by many at a modest 0.5 cents per point. Benefits and perksThe Hilton Honors American Express Surpass® Card is loaded with benefits. Someone who stays at a Hilton property a few times per year can extract excellent value from the card. When you spend on the card, you will earn:
When you have the card, you will get:
How to earn and redeem Hilton Honors pointsEarning Hilton Honors pointsThe two best ways to earn Hilton Honors points is by either staying at Hilton hotels or by spending on Hilton co-branded credit cards. If you stay at Hilton Hotels regularly, you can easily earn rewards that way. All you need to do is attach your Hilton Honors number to your Hilton reservation and book directly with the hotel (stays booked through third-parties like Expedia often don't earn points), and you will earn points based on that stay. But for most Americans, especially with the slow down of both business and leisure travel during the pandemic, hotel stays have been less frequent. For most, the more realistic way to earn hoards of Hilton Honors points is by earning a welcome bonus and spending on a Hilton co-branded credit card like the Surpass card. However, you are not restricted to just one Hilton credit card. You are able to have more than one Hilton credit card, and if you are able to meet multiple welcome offer thresholds, you will see your points balance skyrocket. If you are considering this strategy, here are the other Hilton cobranded cards:
You can also earn Hilton points through the hotel's partnership with Lyft and can transfer Amex Membership Rewards points to Hilton at a 1:2 ratio. Earning Amex points with an Amex credit card can be a good strategy to earn flexible rewards with the option to convert them into Hilton points at a later date. Redeeming Hilton Honors pointsOnce you've earned the points, redeeming them is the fun part. Hilton has over 6,500 properties in 119 countries, at all different price tags and levels of luxury. Some of the most recognizable brands include: Waldorf Astoria, Conrad, DoubleTree, Hampton, Hilton Garden Inn and Hilton Grand Vacations. Hilton Honors points are also great to earn as they have no blackout dates on when you can redeem points, so you never have to worry about whether you can use them or not. However, Hilton Honors operates on 'dynamic pricing', which means that prices for award nights will fluctuate as demand goes up. This means that one Saturday night could be 40,000 points per night, while the next Saturday night could be 74,000 points for the same room. The amount of points you pay is often associate with the cash price of the room. This is different than Hyatt and Marriott, which both have an award chart. However, prices can slightly vary based on demand as both hotel chains have award individual charts for off-peak, standard, and peak dates. However, there are a few things to keep in mind before you redeem your points:
Need a few more points to get that free night? Here's a tip If you are short a small amount of points for a stay, try sending a tweet to Hilton Honors. If you ask kindly that you need a few extra points, they may add the remaining amount to your account as a courtesy to complete the booking. However, your results may vary.
Rates and feesThe card has a $95 annual fee*. It does not have any foreign transaction fees*. If you plan on carrying a balance month to month, this card may not be the best. It has a high interest rate range of 18.74%-27.74% variable APR for purchases*. If you want to avoid accruing interest, consider a credit card with a 0% introductory APR offer. The late payment fees can be up to $40*. *See rates and fees. Card comparisonThe Hilton Honors American Express Surpass Card is an excellent choice for someone who enjoys staying at Hilton properties a few times per year. But, is it the best credit card for you? Select analyzed three other travel credit cards to see how they match up with one another. Hilton Honors American Express Surpass Card vs. Marriott Bonvoy Boundless® Credit CardA similar card to the Surpass, the Marriott Bonvoy Boundless® Credit Card is a hotel credit card with a low annual fee that earns Marriott Bonvoy points. The card is currently offering 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening. Keep in mind that the Boundless card has specific restrictions to determine if you are eligible to be approved for the card, as well as earning the welcome offer. The welcome offer isn't available to applicants who:
Lastly, keep in mind that if you are over the dreaded Chase 5/24 rule, you will automatically be denied for the card. The 5/24 rule is a baseline Chase uses based on credit credit application history. Simply, if you have more been approved for more than five credit cards (from any bank) in the last 24 months, you will not be approved. Hilton Honors American Express Surpass Card vs. Chase Sapphire Preferred®The Chase Sapphire Preferred® Card is known as one of the best travel credit cards available because of its transferable and easy-to-redeem rewards. It has a $95 annual fee, with a long list of benefits including travel insurance and broad spending categories. As you spend on the card, you will earn:
The card is currently offering a welcome offer: 60,000 Chase Ultimate Rewards points after new cardholders spend $4,000 in the first three months of account opening. Ultimate Rewards points are transferable to 14 airlines and three hotel loyalty programs. Those 60,000 points are worth $750 towards travel booked through the Chase Travel portal. The hotel partners includes IHG, Marriott and Hyatt, but not Hilton. So if you aren't extremely loyal to Hilton, consider the Sapphire Preferred for further flexibility with your travel rewards. Hilton Honors American Express Surpass Card vs. American Express® Gold CardThe American Express® Gold Card is known for being a great credit card for foodies as it gives excellent rewards for restaurants and grocery stores. And while it's much different than the Surpass card, the two cards can complement each other well. As you spend on the Amex Gold, you will earn:
As you spend on the Amex Gold card, you will earn American Express Membership Rewards, which can be transferred directly to Hilton Honors at a 1:1 ratio. This is a great way to top off your Hilton Honors points balance for that upcoming vacation. The card comes with a $250 annual fee (see rates and fees), but comes with a long list of benefits that can offset the annual fee if they are maximized. Who the Hilton Honors Surpass card is best forThe Hilton Honors American Express Surpass Card is best for travelers who stay at Hilton Hotels at least a few times per year. With cobranded hotel credit cards, it is always best to match the "level of investment" to how often you stay in hotels.
Even if you only stay in a Hilton once a year, this card could still be worth getting for annual free weekend night certificate and Priority Pass benefits alone, both of which can easily offset the annual fee. In addition, this card is great for international travelers as the card has no foreign transaction fees. Bottom lineThe Hilton Honors American Express Surpass® Card is a great hotel credit card if you visit Hilton Hotels a couple times per year, or want to begin earning Hilton Honors points for your next vacation. Having complimentary Hilton Honors Gold status and no foreign transaction fees can make your travels much more enjoyable and efficient — all for a modest introductory annual fee of $95. However, if you enjoy earning travel rewards and have the ability to have multiple credit cards, consider pairing this with one of the cards listed above. By doing this, you can build your credit score and earn hundreds of thousands of points and miles along the way. FAQsHow much are 150,000 Hilton Honors points worth?If you value Hilton Honors points at 0.5 cents per point, 150,000 points would be worth $750. What credit score do you need to get a Hilton Honors credit card?You need to have at least a good credit score. However, if you have an excellent credit score, you will have a better chance of being approved. What can you get with Hilton Honors points?The best way to redeem Hilton Honors points is free hotel nights. However, you can also transfer them to friends, exchange them for airlines miles, redeem them for tickets on Ticketmaster or donate them to a charity of your choice. Read moreFor rates and fees for the American Express® Gold Card, click here. For rates and fees for the Hilton Honors American Express Surpass® Card, click here. Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party. Does Hilton Amex have Priority Pass?Featured Benefits
Relax with 10 complimentary airport lounge visits each Priority Pass Membership year once enrolled in Priority Pass™ Select membership, which offers access to over 1,200 lounges in over 130 countries.
Does Hilton Surpass have lounge access?The Hilton Surpass comes with a Priority Pass Select membership, but it won't allow you unlimited access to lounges. Instead, you'll receive 10 complimentary lounge visits every year once you've enrolled. But you can pay for additional Priority Pass lounge visits. Enrollment is required.
How do I get a Priority Pass with Hilton aspire?You can search for airport lounges online, through the Priority Pass website. Make sure to enroll your Hilton Honors Aspire Credit Card in the Priority Pass Select program to access its benefits. Once enrolled, you should receive a Priority Pass Select card within 10 to 14 business days.
What credit score do you need for Hilton Surpass card?You need a credit score of at least 700 to get the Hilton Honors Surpass card. People with good credit scores have a better chance of being approved, but having a certain score doesn't guarantee that your application will be approved.
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