Hilton Honors American Express Surpass® Card

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Welcome Offer

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Bonus Value

$680 (our evaluation)

Credit Score Needed

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Annual Fee

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Card Rewards

• 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. • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. • Earn 4X Hilton Honors Bonus Points on U.S. online retail purchases including those at large marketplaces, boutique retailers, department stores, home supply and apparel stores, and more. • 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. Terms and limitations apply.

Card Overview:

The card_name is a significant new offer from American Express. It's excellent for frequent Hilton users, offering the best worldwide array of hotels. You'll receive a substantial welcome offer, along with top-tier perks, including upgrades at Hilton hotels, purchase protection, car rental insurance, extended warranty, and baggage insurance. Enjoy $200 credits for Hilton hotel stays and National Car Rental® Emerald Club Executive® status.

Card Fees

Annual Fee

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Interest Rates (APR)

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Late Fees

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Cash Advance APR

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Foreign Transaction Fee

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Balance Transfer Fee

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Penalty APR:

29.99%

Cash Advance Fee

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Card Benefits

CREDITS

• Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That's up to $200 in statement credits annually. • Earn one Free Night Reward from Hilton Honors after spending $15,000 on purchases on your Card in a calendar year.‡

PURCHASE PROTECTION

• Covers your new purchases for 90 days against damage or theft up to $1,000 per claim and $50,000 per account

auto rental collision insurance

• Secondary worldwide coverage on rentals up to 30 days (excluding Australia, Italy, and New Zealand), with a maximum coverage of $50,000. • Alternatively, you have the option to purchase an Amex premium plan for primary coverage up to 42 days, with a maximum coverage of $100,000.

lost luggage reimbursement

• Coverage for lost, stolen or damaged luggage on a comon carrier (e.g. plane, train, ship, or bus). • Up to $500 per person for checked baggage. • Up to $1,250 per person for carry-on baggage. • Maximum coverage of $10,000 per trip for NY residents.

extended warranty protection

• Receive up to one additional year of coverage beyond the original manufacturer's warranty period for warranties of 5 years or less. • Up to $10,000 per Covered Purchase and up to $50,000 per Eligible Card.

upgraded status

• Receive Complimentary Gold Status, providing excellent benefits including a 5th night free on standard room stays of 5+ nights booked entirely with points and an 80% bonus on all base points, accelerating your journey to free nights. • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors(TM) Diamond status through the end of the next calendar year. • Get free National Car Rental® Emerald Club Executive® status with benefits like Executive Area Access in the USA and Canada. Card Members need to enroll through their American Express online account. Terms apply.

Annual benefits

• Earn one Free Night Reward from Hilton Honors after spending $15,000 on purchases on your Card in a calendar year.

Benefit Guide

For benefit guide to the card_name, click here

For rates and fees of the card_name, click here

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HY Credit Offers has partnered with CardRatings to bring you comprehensive coverage of credit card products. As part of this partnership, HY Credit Offers and CardRatings may receive a commission from card issuers. We want to be transparent about the fact that our website features card offers from advertisers, and that compensation may affect how and where these offers appear on the site. While we strive to provide unbiased information, please note that our site may not include all available card companies or offers. Thank you for choosing HY Credit Offers for your credit card needs. It's important to note that HY Credit Offers receives compensation from credit card companies whose offers are featured on the site if approval is granted, with no effect on the articles published on hycreditoffers.com. However, banner placement on our site may be influenced by compensation. Please be aware that not all credit card offers available in the marketplace are featured on the HY Credit Offers site. We have advertising relationships with credit card companies such as American Express, Bank of America, Barclays, Capital One, Chase, Citibank, Discover, HSBC, and Wells Fargo, among others. It's important to note that the opinions expressed in our content are those of the author, and are not provided or commissioned by the credit card issuer. Our content has not been endorsed or reviewed by the credit card issuer. Similarly, any responses contained herein are not provided or commissioned by the bank advertiser, and have not been approved or endorsed by them. We strive to provide accurate and up-to-date information, but please do your own research and consult with a financial professional before making any decisions.

Purchase protection: • Covers your new purchases for 90 days against damage or theft up to $1,000 per claim and $50,000 per account • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit http://americanexpress.com/benefitsguide for more details. • Underwritten by AMEX Assurance Company.

Auto Rental Collision Insurance: • Secondary worldwide coverage on rentals up to 30 days (excluding Australia, Italy, and New Zealand), with a maximum coverage of $50,000. • Alternatively, you have the option to purchase an Amex premium plan for primary coverage up to 42 days, with a maximum coverage of $100,000. • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Lost Luggage Reimbursement: • Coverage for lost, stolen or damaged luggage on a comon carrier (e.g. plane, train, ship, or bus). • Up to $500 per person for checked baggage. • Up to $1,250 per person for carry-on baggage. • Maximum coverage of $10,000 per trip for NY residents. • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Underwritten by AMEX Assurance Company.

Extended warranty protection: • Receive up to one additional year of coverage beyond the original manufacturer's warranty period for warranties of 5 years or less. • Up to $10,000 per Covered Purchase and up to $50,000 per Eligible Card. • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Underwritten by AMEX Assurance Company.