Hilton Honors American Express Surpass® Card review
Why you can trust Bankrate
At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to:
- Meet you wherever you are in your credit card journey to guide your information search and help you understand your options.
- Consistently provide up-to-date, reliable market information so you\'re well-equipped to make confident decisions.
- Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you.
At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next.
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
How We Make Money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Hilton Honors American Express Surpass® Card Overview
The Hilton Honors American Express Surpass® Card* is one of the best cards for Hilton fans who travel occasionally travel. With the card’s hefty rewards system and enticing bonuses, you can acquire quite a few free stays while taking advantage of complimentary Gold Elite Status.
What are the pros and cons?
- Reward redemptions limited to hotel stays, experiences and gift certificates
- Single nights at hotels can cost significant points
A deeper look into the current card offer
- Rewards rate: 12X points on eligible purchases at Hilton hotels and resorts; 6X points at U.S. restaurants, U.S. supermarkets and U.S. gas stations; 3X points on other eligible purchases.
- Welcome offer: Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases during the first three months of card membership
- Annual fee: $0 intro annual fee for the first year, $95 annual fee after that
- Purchase intro APR: N/A
- Balance transfer intro APR: N/A
- Regular APR: 18.74 percent to 27.74 percent variable
Current welcome offer
Currently, the Hilton Honors American Express Surpass Card is offering 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases during the first three months of card membership.
Though Hilton Honors points have a fairly low redemption value compared to similar hotel rewards programs (only 0.6 cents apiece according to The Points Guy), you can find award night available for as little as 5,000 points. Based on a 0.6-cent-per-point valuation, 130,000 points translates to a $780 value. You’ll need to spend at least $667 per month with the card for the first three months in order to secure the welcome offer, but a 39 percent return on spend is great for a bonus on a card in this price range.
That said, the card’s previous welcome offer had potential to be more valuable than this one, as it offered the 130,000 bonus points for the same spending requirement as well as a Free Night Reward, worth anywhere from $50 to $570 depending on which room type and dates you booked (based on the 5,000-point to 95,000-point redemption range).
While you may want to hold out for a higher welcome offer, a $780 bonus value is still high for a card at this price range. Not to mention, the statement credits help make up for loss of the Free Night Reward.
The rewards program with the Hilton Honors American Express Surpass Card acts as an extension of the free Hilton Honors program. You’ll earn more points for purchases made with the card than a member of the Hilton loyalty program who is not a cardholder.
When you make purchases through your Hilton Honors Surpass Card, you’ll earn 12X points for eligible purchases at Hilton portfolio stays around the world. When you use your card on eligible purchases at U.S. restaurants, U.S. supermarkets and U.S. gas stations, you’ll earn 6X points. All other eligible purchases will accrue 3X points.
In addition, being a Surpass cardholder will grant you Gold elite status, which will give you perks that add further value to your card. For instance, you can get every fifth night free on rewards stays when you stay for five consecutive nights or more. You’ll also earn 10,000 bonus points for every 10 nights you stay in a calendar year (starting at 40 nights) and you’ll get an 80 percent bonus on all Hilton Honors Base Points you earn. Along with several other perks like free Wi-Fi, complimentary water bottles and Continental Breakfast, these are among some of the ones that carry the most value for cardholders.
If you’re a restaurant regular on the road or close to home, you could also boost 6X rate for purchases at U.S. restaurants with the Hilton Honors Dining program. Just linking your card to Hilton’s dining program will earn you an extra 2X points at select restaurants, but you can easily add up to 5X additional points by signing up for Hilton Honors Dining’s email communications list. And by signing up for emails and making 11 qualified transactions with the program in one calendar year, you will earn VIP status, which boosts your base rate by 8X points at participating locations and comes with an expanded pool of potential restaurants and access to the VIP Member Services line.
There are several other ways to earn Hilton Honors points, including linking your Hilton Honors account with Lyft and select car rental partners or reaching Hilton stay milestones. These methods won’t rake in the rewards at the same rate as your card’s bonus categories, but every bit counts toward your next getaway.
You can redeem rewards by logging in to your Hilton Honors account online, via the app or by calling 1-800-4HONORS. The minimum required redemption is 5,000 points if you’re paying with both points and money, but a night’s stay often costs a considerable amount more in points. You can use your points not only for free hotel stays and on-property perks (like free Wi-Fi) but also for:
- Exclusive experiences in dining, concerts, sports and more
- Lyft rides
- Shopping on Amazon.com or with Hilton’s merchandise portal
- Rental cars with Alamo, National and Enterprise
- Transfers to 30+ partner travel loyalty programs
How much are points worth?
Hilton Honors points are among the most inflated in hotel rewards programs, only worth around 0.6 cents per point. However, we’ve found that number is a relative baseline since Hilton’s redemption structure means your points’ value can fluctuate based on your booking, with some properties and travel options typically costing more. For example, while the card’s high rewards rate can be attractive, it can often cost around 25,000 points or more for a single night’s stay at some locations. While it’s possible to find stays for as low as 5,000 points, these are not widely available.
If you use your card enough, you’ll likely get a good number of hotel stays under your belt. But don’t expect rewards to stretch too far.
The Hilton Honors American Express Surpass Card boasts some impressive travel perks, which are nice for getting a worldwide Hilton experience. While some people may find more value in these benefits than others, all cardholders are encouraged to take advantage of them if they’re able. These perks are easy ways to recoup the card’s annual fee after your first year.
Hilton Night Reward
By spending at least $15,000 on eligible purchases in one calendar year, you earn a “Free Weekend Night Reward.”
You’ll receive your complimentary night in the form of a redeemable code via email about eight to 12 weeks after meeting the eligibility requirement. Your complimentary night can cover one weekend night standard accommodation for two guests and all applicable resort fees and taxes on the cost of the room for the night. Unfortunately, it doesn’t cover incidentals and must be redeemed on or before its expiration date.
When you travel with Hilton, expect to travel in style. You’ll have premium airport lounge access with a complimentary Priority Pass Select membership featuring ten free airport lounge visits each Priority Pass Membership year once enrolled. You’ll also be able to avoid pesky foreign transaction fees while you travel and get access to the Global Assist Hotline.
American Express experiences
As a cardmember, you’ll also get exclusive Amex benefits. You can enjoy special members-only experiences like sporting events, Broadway shows and more.
Money management tools
Enjoy $0 fraud liability, a year-end summary of your spending and payment assistance plans to help you budget your spending and stay on track.
Rates and fees
Although, other Hilton cards range from $0 to $450, the Surpass comes with a $95 annual fee after your first year ($0 intro annual fee in your first year), which is a nice middle ground. You can try out the card for a year without paying an annual fee and decide whether it offers enough value to justify the fee in year two and beyond.
Unfortunately, there is no intro APR to help you save on interests as you pay down debt or finance new purchases. You’re looking at an interest rate between 18.74 percent and 27.74 percent (variable).
International travelers may find the card a good choice, though, as there are no foreign transaction fees.
How the Hilton Honors American Express Surpass compares to other hotel cards
Whether you want the Hilton Honors Surpass card may come down to how strongly you feel about branded cards or the convenience of more flexible rewards cards. If Hilton isn’t your preferred hotel chain, then you might be looking at Marriott. Or, on the other hand, if you aren’t particularly sold on any hotel brand you’ll likely want to use a more flexible rewards card that earns a generous rate for all purchases.
Hilton Honors American Express Surpass vs. Marriott Bonvoy Boundless
A close competitor to the Hilton Honors Surpass card is the Marriott Bonvoy Boundless® Credit Card. The ongoing annual fee is also $95, and you’ll earn comparable rewards you can use at Marriott hotels around the world.
Like the Hilton Honors American Express Surpass, the Marriott Bonvoy Boundless offers a high rewards rate (up to 17X points) on hotels participating in the issuer’s rewards program. Over 7,000 hotels participate in Marriott Bonvoy, and cardholders who regularly stay at (or prefer) Marriott hotels and their partner branches would certainly want this card on their radar.
The Hilton Surpass earns a boosted 12X points at Hilton locations, which is a bit lower than Bonvoy Boundless card’s offer. Additionally, Bonvoy points are worth about 0.8 cents per point compared to Hilton Honors points, which are valued at of 0.6 cents per point (according to TPG).
If you plan to use your hotel card specifically for hotel stays, then the Marriott Bonvoy is your best option from a strictly rewards-oriented perspective. The Hilton Honors card will earn more at U.S. supermarkets, U.S. gas stations and U.S. restaurants, but if you already utilize a card in your rewards strategy with a strong rate in those categories, you could potentially garner more value with a hotel card that focuses on rewarding hotel stays, like the Marriott Bonvoy Boundless.
While the Marriott Bonvoy Boundless can be more rewarding on a regular basis for purchases at participating hotels, the Hilton Honors Amex Surpass card has a more attainable welcome offer. The Marriott Bonvoy Boundless offers 100,000 bonus points for spending $3,000 on purchases in the first three months. At 0.8 cents apiece, 100,000 points when redeemed is worth $800. While this is $20 higher than the Hilton card’s 130,000 point bonus (a $780 value), you need to spend much more to receive it. Where Hilton’s bonus is a roughly 39 percent return on spend, Marriott’s is only about a 27 percent return on spend.
Hilton Honors American Express Surpass vs. Capital One Venture
The Capital One Venture Rewards Credit Card offers a more flexible rewards program than the Hilton Honors Surpass card’s, albeit one that may be less rewarding if you’re planning to focus your spending on hotel stays.
The Venture card’s welcome bonus is a bit less valuable than the Hilton Honors Surpass card’s, offering just 75,000 miles when you spend $4,000 on purchases within three months from account opening (equal to $750 in travel). Conveniently, though, you can redeem miles for any travel purchase with any brand, including for hotel nights, airfare and more.
While Capital One miles are worth about 1 cent per mile through the issuer, which is a bit more than Hilton Honors points.
The Hilton Honors Surpass offers’ higher earning bonus categories that can earn points much faster.
For example, if you shop regularly at grocery stores in the U.S. and frequently stay at Hilton Hotels, the Surpass card’s 6X points at U.S. supermarkets and 12X points per dollar at Hilton Hotels and resrots may net you more value than the Venture card’s 5X miles on hotels booked through Capital One Travel and 2X miles on general purchases. For instance, if you spent $5,000 per year at U.S. supermarkets and $2,000 per year at Hilton hotels with both cards, you’d earn 20,000 Capital One miles and 54,000 Hilton points, respectively. Your Capital One miles would be worth $200 in travel redemptions while the Hilton points would be worth roughly $324 when redeemed through the Hilton Honors portal.
That said, if you’re the kind of cardholder who makes everyday purchases more often than you stay at hotels, a flat-rate rewards card may be in your best interest. This is especially the case if you want to redeem points for air travel or other travel expenses through the issuer’s portal.
Best cards to pair with the Hilton Honors American Express Surpass
The Hilton Honors Surpass Card is almost exclusively geared toward hotel stays, so you could create a powerful combination with a general travel card or a co-branded airline credit card. That way, you’ve got both travel and lodging covered.
Bankrate’s Take—Is the Hilton Honors American Express Surpass worth it?
According to Stephanie Zito, Bankrate’s Travel Rewards Expert Contributor, “The Hilton Honors Amex Surpass is a great card for people who spend most of their money on everyday items—like groceries, restaurants, and gas—and then use these points to cover their hotel costs on a trip at a Hilton resort. Pair the solid points earning with Hilton’s fifth night free benefit, and you’ll have a free week in a hotel covered in no time.”
Overall, the card is a fairly high-quality hotel card for the casual traveler. For those with high travel budgets and trips planned, you may want to consider a different Hilton credit card that may cost more but has the potential to be more rewarding. Or, if you’re looking for something with more flexibility, check out our guide for choosing a hotel credit card.
*The information about the Hilton Honors American Express Surpass® Card and Marriott Bonvoy Boundless® Credit Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.