Card Highlights
Hilton Honors American Express Surpass Card is a Credit Card
With a credit card, you can carry a balance and accrue interest if necessary. Note this is not advised by me. The points game does not work well, if you are carrying a balance and accruing interest. See #4 in Let’s Get Started To Earning Free Travel.
Card Rewards
Earn Hilton Honors points with the card as a member of the Hilton Honors Program. Learn about the program here.
Sign-up Bonus
Before you apply, make sure your ability to get the sign-up bonus is not limited by American Express lifetime language or the 5 card rule or the 90 day rule or the other factors language.
Annual Fee
The annual fee $150.
No Additional Cardholder Fees
There are no additional cardholder fees.
Earn Points on Spending
1. Earn 12x points per $1 spent at a hotel or resort within the Hilton Portfolio.
2. Earn 6X points per $1 spent at restaurants, supermarkets, gas stations located in the US.
3. Earn 4x on U.S online retail purchases
4. Earn 3X points per $1 for all other eligible purchases on your Card
No Foreign Transaction Fees
Pay no foreign transaction fees when you use your card on purchases made outside the United States.
$200 Statement Credit
You receive up to $200 back in statement credits annually for eligible Hilton purchases made with your card directly at participating Hilton properties (up to $50 in statement credits each quarter). I do not think you need to be staying at the resort to get the credit, read why here.
Complimentary Gold Status
You will receive complimentary Hilton Honors Gold status with the card.
Possible Diamond Status
If in any calendar year of Card Membership your total eligible purchases on your card reach $40,000, you will be upgraded to Hilton Honors Diamond status for the remainder of the calendar year in which Diamond status was earned through the end of the next calendar year.
Earn A Free Night
Earn a Free Night Reward after you spend $15,000 on purchases on your card in a calendar year.
Car Rental Privileges
You receive Complimentary National Car Rental Emerald Club Executive status. I love this as you can book a midsize car and get an upgrade at the airport and u can pick it yourself from the Executive Aisles.
Purchase Protection
Purchase Protection protects eligible purchases made with the Card in the event they are accidentally damaged or stolen for up to 90 days from the date of purchase.
Extended Warranty
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 5 years or less. Some exclusions apply.
Global Assist Hotline
Car Rental Loss and Damage Insurance
Trip Cancel Guard
Provides up to 75% reimbursement if you cancel your eligible nonrefundable flight at least two full calendar days before. Read more here.