American Express Hilton Honors Surpass Credit Card Review

The American Express Hilton Surpass has a new offer of 200,000 bonus points: 150,000 points after $2,000 within the first three months and an additional 50,000 points when you spend $10,000 in the first six months.

You likely need to open this application link in incognito mode for the offer to show.

The Surpass credit card earns 12x points at Hilton Hotels & Resorts, 6x points at U.S. grocery stores, U.S. restaurants, and U.S. gas stations, and 3x points everywhere else.

Deals Points Card Rating:
Hilton Honors Surpass

Hilton Surpass Card Information

Application Link: American Express Hilton Honors Surpass (may need to open in incognito mode for 200,000 bonus)

Current Sign Up Bonus: 200,000 Hilton Honors points.

Recommended Bonus: At least 125,000 Hilton Honors points.

Annual Fee: $95. 

Earning Rewards:

  • 12x points at Hilton Hotels & Resorts.
  • 6x points at U.S. restaurants.
  • 6x points at U.S. supermarkets.
  • 6x points at U.S. gas stations.
  • 3x points everywhere else.

Hilton Surpass Card Benefits

Hilton Gold Elite Status- Cardmembers automatically get Hilton Gold elite status, which gets you an upgrade, an 80% points bonus on stays, breakfast, and a welcome gift.

Path to Diamond Status- If you spend $40,000 in a calendar year on the Surpass card, you can get upgraded to Diamond status through the end of the next calendar year.

Potential Free Weekend Night– If you spend $15,000 in a calendar year, you can earn a free weekend night certificate.

Priority Pass- Cardmembers get 10 free visits to the 1,200+ airport lounges in the Priority Pass network. 

No Foreign Transaction Fees- You can use your Hilton Surpass card anywhere in the world without having to pay foreign transaction fees, which are typically 3%.

Purchase Protection– This coverage covers the replacement costs of items bought with the card that were stolen or accidentally damaged within the first 90 days up to $1,000 per item.

Baggage Insurance– This coverage reimburses you for lost, damaged, or stolen baggage up to $1,250 for a carry-on bag and $500 for a checked bag.

Secondary Rental Car Insurance– This secondary coverage pays for any damage to the rental car not covered by your insurance. If you don’t have collision insurance, this coverage is primary coverage.

Amex Offers– The Hilton Surpass card, like all American Express cards, has access to Amex Offers, which are special deals at certain retailers. For example, spend $25, get a $10 statement credit. 

Extended Warranty– This benefit extends an original manufacturer’s warranty by one year on warranties of 5 years or less.