The American Express Hilton Honors Surpass credit card might be the perfect option for you if your goal is to elevate your finances to a new level with truly incredible benefits.
With a rewards program and benefits that enhance every transaction, this card offers a unique combination of advantages that make it an attractive choice for those who want to turn their travels into memorable moments.
Keep reading to discover how this payment method can transform your trips and purchases into something extraordinary, offering rewards and perks that will make every moment worthwhile.
About the Issuer
The American Express Hilton Honors Surpass credit card is issued by American Express, one of the most recognized and respected financial institutions in the world.
American Express has a long history of innovation in the financial sector. Its cards are widely accepted worldwide, and the company is famous for its excellent customer service and generous rewards programs.
With the Hilton Honors Surpass, Amex combines its expertise in financial services with the excellence of the Hilton hotel network. By choosing an American Express card, you are selecting a brand that values trust and delivers real value to its customers.
Benefits
Accelerated Points Accumulation: The Hilton Honors Surpass is extremely advantageous when it comes to earning points. You earn 12X Hilton Honors points for every dollar spent at Hilton hotels and resorts. Additionally, the card offers 6X points in essential spending categories such as supermarkets, restaurants, and gas stations in the U.S., and 3X points on all other purchases.
Automatic Elite Status: One of the biggest attractions of the Hilton Honors Surpass is the automatic Gold status in the Hilton Honors program. With Gold status, you are entitled to benefits such as free room upgrades, complimentary breakfast at participating hotels, and an 80% bonus on base points accumulated during stays. Furthermore, if you spend $40,000 or more in a year with the card, you will be automatically upgraded to Diamond status, which offers even more benefits, such as access to executive lounges and higher priority in reservations.
Annual Credits: The card offers up to $200 in annual credits for qualifying purchases at Hilton properties. This credit can be used to reduce the cost of stays or cover other expenses during your trip. This benefit is especially useful for frequent travelers who prefer to stay at Hilton hotels, as it can represent significant savings throughout the year.
Priority Pass VIP Lounge Visits: The American Express Hilton Honors Surpass credit card also comes with 10 free visits per year to Priority Pass VIP lounges, adding an extra layer of comfort to your travels. These lounges offer quiet environments, with services that include Wi-Fi, food, drinks, and sometimes even showers—ideal for long trips or when you need a space to relax before your flight.
No Foreign Transaction Fees: Another significant benefit is the waiver of foreign transaction fees, which can be extremely advantageous for those who travel internationally frequently. Most credit cards charge an additional fee for purchases made outside the U.S., typically around 2% to 3% of the purchase amount.Â
Welcome Bonus: New cardholders can earn up to 155,000 Hilton Honors points as a welcome bonus. To do so, you must spend $3,000 in the first 6 months after opening the account. This bonus is a significant advantage, as these points can be enough for several nights at Hilton hotels, depending on the location and hotel category.
American Express Hilton Honors Surpass – Fees and commissions
The American Express Hilton Honors Surpass has an annual fee of $150, which is offset by the various benefits and credits offered. The interest rate varies between 20.99% and 29.99%, depending directly on your credit.
It is worth noting that this card does not charge foreign transaction fees, which is a significant advantage for frequent travelers. The card’s fees and commissions may change, so it is always advisable to review the terms on the Amex website before applying for the card.
Card limit
The credit limit of the American Express Hilton Honors Surpass card varies according to each customer’s financial profile. American Express conducts a detailed analysis of credit history and income before approving the limit, ensuring that it is compatible with the user’s needs and repayment capacity.
While the limit is flexible and personalized, it is important to use credit responsibly to avoid financial problems. If you need an increase in the limit, you can request it directly from American Express after a few months of using the card.
Positive points
- Generous Points Accumulation:The ability to earn points in various categories.
- Automatic Elite Status:Gold status in Hilton Honors is a valuable benefit for frequent travelers.
- No Foreign Fees:The absence of transaction fees on international purchases is a major advantage.
Negative points
- High Annual Fee:The $150 annual fee may be a barrier for some consumers.
- Eligibility:Approved only for those with a good credit history.
- High Interest Rates:Interest rates can be high for those who carry a balance month to month.
How to apply for American Express Hilton Honors Surpass
- Visit the official American Express website;
- Locate the Hilton Honors Surpass card in the credit card section;
- Click “Apply Now” to start the application;
- Fill out the form with your information;
- Review the terms and conditions before submitting the application;
- Submit the form and wait for credit approval;
- Receive approval and your physical card within a few business days;
- Activate the card via the American Express website or app;
- Start using the card and earning Hilton Honors points.
How to contact American Express
To contact American Express, you can use the following channels:
- 1-800-528-4800
- 1-888-297-1244
With benefits like accelerated points accumulation, automatic elite status, and no foreign transaction fees, this card can turn your stays into even more luxurious experiences. Apply now for your American Express Hilton Honors Surpass credit card and gain access to a world of possibilities.
