Hilton Honors American Express Surpass Card Benefits

Hilton Honors American Express Surpass Card Benefits

The Hilton Honors American Express Surpass Card offers a range of attractive benefits for cardholders, making it a compelling choice for those who frequent Hilton properties. In this section, we'll explore the key benefits of the card in detail:

Hilton Honors Gold Status:

One of the standout features of the Hilton Surpass card is the complimentary Hilton Honors Gold status it provides to cardholders. This elevated status is valued at an impressive $1,255 per year. With Hilton Gold status, cardholders can enjoy a host of valuable perks:

• An 80% points bonus on paid stays, allowing you to earn more Hilton Honors points during your stays.
• The opportunity for space-available room upgrades, potentially enhancing your hotel experience with executive-level room accommodations.
• Elite Rollover Nights, which can help you maintain or progress to higher elite status tiers.
• The benefit of a fifth night free when booking a stay entirely with Hilton Honors points, offering great value for reward stays.
• Daily breakfast or a food and beverage credit, making your hotel stays even more enjoyable.

Diamond Status Opportunity:

For high spenders, the Hilton Surpass card offers a path to achieving top-tier Diamond status. By charging more than $40,000 on the card within a calendar year, you can attain Diamond status that lasts until the end of the following calendar year. Diamond status comes with additional elite benefits, making it an enticing option for frequent Hilton guests.

Priority Pass Access:

The Hilton Surpass card includes a Priority Pass Select membership, providing cardholders with 10 complimentary lounge visits per year upon enrollment. This is a valuable benefit for semi-frequent travelers who frequently pass through airports with Priority Pass lounges. While bringing a guest into the lounge counts as one of your visits, you also have the option to pay for additional Priority Pass lounge visits if needed.

Free Night Reward:

Cardholders have the opportunity to earn a free night reward by spending $15,000 on purchases with the Hilton Surpass card in a calendar year. This reward can be used at nearly any Hilton property worldwide, offering significant value. Even with a conservative valuation of $300 per night, this represents an additional 2% return on your $15,000 in spending.

No Foreign Transaction Fees:

The Hilton Surpass card is an excellent choice for international travelers as it does not charge foreign transaction fees. This feature ensures that you can make purchases abroad without incurring additional costs, enhancing your travel experience.

Additional Benefits:

In addition to the major perks mentioned above, the Hilton Surpass card offers various other benefits, including:

• Free two-day shipping with Shop Runner, simplifying your online shopping experience.
• Send & Split, a feature that allows you to divide bills with friends, ideal for group dinners and shared expenses.
• Pay It Plan It, which enables you to pay for significant purchases over time, offering financial flexibility.
• Secondary rental car insurance of up to $50,000 for theft or damage, providing peace of mind during car rentals (terms and conditions apply).

Hilton Honors American Express Surpass Card

The Hilton Honors American Express Surpass Card is a valuable credit card tailored for frequent travelers who prefer staying at Hilton properties. Offering an excellent balance of benefits and affordability, this card stands out for its automatic Hilton Gold elite status, a perk that can easily offset its $95 annual fee.

With Hilton Gold elite status, cardholders can enjoy complimentary breakfast, room upgrades (subject to availability), and enhanced earning potential for Hilton Honors points when they book stays at Hilton-branded hotels and resorts.

This mid-tier hotel loyalty status is highly regarded within the travel community, making the Surpass Card an appealing choice for those seeking a rewarding hotel credit card without the premium price tag of top-tier options like the Hilton Honors American Express Aspire Card. Additionally, the card may offer an elevated welcome bonus, further enhancing its appeal to potential applicants.

Hilton Honors American Express Surpass® Card Credit Limit

The precise credit limit for the Hilton Honors American Express Surpass® Card is not explicitly disclosed in the available search results. However, a glimpse into the card's financial terms can be found in the Cardmember Agreement document provided by American Express National Bank. This document specifies that the APR for Purchases varies, ranging from Prime Rate + 12.49% to Prime Rate + 21.49%, with a variable APR structure.

It also mentions a Plan Fee (Fixed Finance Charge) of up to 1.23% on purchase amounts moved into a payment plan, depending on plan duration, prevailing APR, and other variables. It's important to note that credit limits are individually determined, taking into account factors like credit score, income, and credit history. Therefore, for precise information about your credit limit, it is advisable to contact American Express National Bank directly.

Hilton Honors American Express Surpass® Card Review

Card Overview:

The Hilton Honors American Express Business Card is designed for business travelers who frequent Hilton properties. It offers numerous perks and rewards for cardholders. 

Annual Fee and Welcome Offer:

The card comes with an annual fee $95, which is important to consider. However, it often provides excellent value for those who stay at Hilton hotels regularly. Additionally, the welcome offer can be enticing, allowing you to earn a significant number of Hilton Honors points when you meet the spending requirement in the first few months.

Annual Spending Benefits:

Hilton Stays: The primary benefit comes from spending at Hilton hotels and resorts. You'll earn a substantial 12 points per dollar spent, making it an ideal choice for loyal Hilton customers. 

U.S. Restaurants, Supermarkets, and Gas Stations: The card also rewards everyday spending with 6 Hilton points per dollar at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. This makes it versatile for both business expenses and personal use.

All Other Purchases: While the earning rate for non-Hilton spending isn't exceptional, it still provides a reasonable return of 3 points per dollar spent on eligible purchases.

Redeeming Hilton Points:

Free Nights: One of the best uses of Hilton points is for free hotel stays. Hilton uses dynamic pricing, so the number of points needed varies based on factors like hotel location and demand.

Points & Money: This option allows you to use a combination of points and cash for your booking, providing flexibility when you don't have enough points for a full stay.

Partnerships: Hilton allows you to earn and redeem points with partner brands, although these options often offer lower value compared to hotel redemptions.

Pooling Points: Hilton allows you to combine points with up to 10 other members, making it easier to reach the required points for a luxurious award stay.

Cardholder Benefits:

Hilton Gold Status: Cardholders receive complimentary Hilton Gold status, which includes perks like an 80% points bonus on paid stays, room upgrades when available, and daily breakfast or food and beverage credits. This status alone can justify the card's annual fee.

Diamond Status Opportunity: If you spend more than $40,000 on the card in a calendar year, you can earn top-tier Diamond status. This status provides additional benefits but may not be attainable for everyone.

Priority Pass Access: The card also comes with Priority Pass Select membership, offering 10 lounge visits per year. This is a valuable perk for business travelers.

Free Night Reward: By spending $15,000 on the card in a calendar year, you can earn a free night reward, which can be used at most Hilton properties worldwide.

Comparison to Other Hilton Cards:

No Annual Fee Option: If you want to avoid an annual fee, the Amex Hilton Honors card offers lower earning rates and fewer perks but can be a suitable choice for occasional Hilton guests.

Premium Perks: The Amex Hilton Aspire card, with a higher annual fee, offers top-tier Diamond status, additional free night rewards, and various credits, making it ideal for frequent Hilton travelers.

Transferable Points: If you're not tied exclusively to Hilton, the Amex EveryDay Preferred card earns Membership Rewards points, which can be transferred to Hilton among other partners.

Hilton Honors American Express Surpass® Card Lounge Access

The Hilton Honors American Express Surpass® Card provides a premium travel experience with its complimentary Priority Pass™ Select membership. Cardholders can access over 1,200 airport lounges worldwide, ensuring a comfortable and relaxing pre-flight environment, regardless of their travel destination.

Additionally, the card offers 10 free lounge visits each Priority Pass Membership year upon enrollment, making it an excellent choice for travelers seeking added luxury and convenience during their journeys. Whether you're a frequent flyer or an occasional traveler, this card elevates your airport experience and adds significant value to your trips.

Hilton Honors American Express Surpass Card Login

To access your Hilton Honors American Express Surpass Card account, visit the American Express website, where you can log in using your provided credentials. If you don't have an account, you can create one on the login page. Please note that the login process may vary by location.

• Begin by navigating to the official American Express website. You can do this by typing "American Express" into your web browser's search bar or by directly entering the URL www.americanexpress.com into your browser's address bar.
• Once you've arrived at the American Express website's main page, locate the login section. Typically, this can be found at the upper-right corner of the webpage.
• Access your Hilton Honors American Express Surpass Card account by providing your login credentials. These credentials usually consist of your username or card number and your designated password. Ensure that you input this information accurately.
• After entering your login details, select the "Log In" or "Sign In" button to gain entry to your Hilton Honors American Express Surpass Card account.

If you haven't created an account yet:

• While on the American Express website's login page, identify the "Create New Online Account" option. It's typically situated in close proximity to the login fields.
• Click on the "Create New Online Account" option.
• You will be prompted to furnish the necessary information to establish your account. This may encompass personal details, card particulars, and security queries.
• Proceed by following the step-by-step instructions provided on the screen to finalize the account creation process

How to Apply Hilton Honors American Express Surpass Card?

To apply for the Hilton Honors American Express Surpass Card, visit the American Express website, complete the application form, and await approval, with the card arriving in a few business days. Note that application procedures may vary by location.

Visit the American Express Website

Begin the application process by visiting the official American Express website. You can do this by typing "American Express" into your preferred internet browser's search bar or by directly entering their website URL.

Locate the Hilton Honors Surpass Card:

Once you're on the American Express website, navigate to the section where you can explore their various credit card offerings. Look specifically for the Hilton Honors American Express Surpass Card. This card is designed for travelers who frequent Hilton hotels and offers various benefits and rewards tied to the Hilton Honors loyalty program.

Click on "Apply Now" or "Learn More":

When you find the Hilton Honors Surpass Card, you will likely see options such as "Apply Now" or "Learn More." Click on the "Apply Now" button to initiate the application process. If there's a "Learn More" option, you can click on it to gather more information about the card's features and benefits before proceeding with the application.

Fill Out the Application Form:

After clicking "Apply Now," you will be directed to a secure online application form. This form will require you to provide personal information, including your name, contact details, Social Security number (or equivalent identification number if you're not in the United States), employment information, and financial details. Ensure that all the information you provide is accurate and up to date.

Review and Confirm Your Application:

Carefully review the information you've entered on the application form to ensure its accuracy. You should also review the terms and conditions associated with the Hilton Honors American Express Surpass Card to understand the card's annual fees, interest rates, and rewards program details. Once you're satisfied that all information is correct and you agree to the terms, proceed to submit your application.

Wait for Approval:

After submitting your application, it will undergo a review process by American Express. This may take some time, and American Express may request additional information if needed. Be patient during this stage.

Receive Your Card:

If your application is approved, you will receive your Hilton Honors American Express Surpass Card in the mail within a few business days. It will typically come with activation instructions, so make sure to follow those to start using your card.

Hilton Surpass Welcome Offer

The Hilton Surpass Welcome Offer is designed for new applicants considering the Hilton Honors Surpass credit card from American Express. It presents an attractive opportunity to earn 130,000 Hilton Honors bonus points by spending $2,000 on the card within the first three months of membership.

However, eligibility is subject to certain conditions, including not currently holding or having had specific Hilton credit cards, and American Express may consider your card history. If deemed ineligible, American Express will notify you before finalizing your application, allowing you to proceed without the welcome offer or withdraw your application. This promotion provides a substantial incentive for new cardholders, especially those who frequent Hilton properties.

How Can I Accumulate Points With the Hilton Surpass?

To accumulate Hilton Honors points with the Hilton Surpass card, take advantage of its robust rewards program. Earn 12 points per dollar spent at Hilton hotels and resorts, providing a generous 7.2% return on your hotel spending. Additionally, make the most of the card's 6 points per dollar at U.S. restaurants, supermarkets, and gas stations, along with 3 points per dollar on all other eligible purchases.

While the non-Hilton spending returns are not extraordinary, the Hilton Surpass card remains a valuable choice for Hilton enthusiasts looking to bolster their points balance and enjoy Hilton's perks, making it a solid addition to your credit card portfolio.

How Can I Redeem My Hilton Surpass Points?

To redeem Hilton Surpass points effectively, it's advisable to primarily focus on free hotel nights within the Hilton Honors program. Hilton utilizes dynamic pricing for award redemptions, so the number of points required can vary based on factors like hotel cash rates and peak travel periods. Seek out properties that offer excellent value for your points, such as those in the U.S. available for 20,000 points or less per night or international options for 10,000 points or less per night.

If your point balance falls short of a full booking, consider Hilton's Points & Money option, which allows you to combine points and cash for a reservation. Keep in mind that Hilton Honors also offers partnerships for earning and redeeming points, but these may not always yield the best value. Lastly, you can pool your Hilton points with up to 10 other members, enabling you to collaborate with friends or family to achieve more luxurious award stays and maximize your rewards.

What Are the Advantages and Disadvantages of the Hilton Honors American Express Surpass Card?

Advantages of the Hilton Honors American Express Surpass Card:

• One of the significant advantages of this card is the absence of foreign transaction fees. This feature is ideal for frequent travelers, as it allows you to make purchases abroad without incurring additional charges typically associated with foreign transactions.
• Cardholders receive complimentary Hilton Honors Gold status. This elite status comes with valuable perks such as room upgrades, late checkout, and bonus points for stays at Hilton hotels. It can significantly enhance your overall hotel experience and save you money during your stays.
• The Hilton Honors American Express Surpass Card offers a generous welcome bonus, which can provide you with a substantial number of Hilton Honors points when you meet the specified spending requirements within the introductory period. This can be an excellent way to jumpstart your rewards earnings.
• This card features a wide range of bonus spending categories, allowing cardholders to earn additional points or rewards for various types of purchases. This versatility can help you accumulate points faster, especially if you frequently spend in these categories.

Disadvantages of the Hilton Honors American Express Surpass Card:

• Unlike some other credit cards, the Hilton Honors American Express Surpass Card does not offer an introductory APR (Annual Percentage Rate) promotion. This means you won't benefit from a temporary lower interest rate on purchases or balance transfers when you first open the account.
• One of the drawbacks of this card is that the points you earn may have a relatively low redemption value. This implies that when you redeem your Hilton Honors points for rewards like hotel stays, you might not receive as much value per point compared to other loyalty programs.
• If the card allows you to transfer your Hilton Honors points to partner loyalty programs, the transfer rate might not be favorable. In other words, you may not get a good exchange rate when converting your Hilton Honors points for rewards with partner companies, potentially limiting your options for maximizing your points.

Is the Hilton Honors Surpass Card Worth Considering?

Yes, the Hilton Honors Surpass Card is worth considering for certain travelers. If you frequently stay at Hilton hotels and can take advantage of the Gold elite status benefits it offers, all while avoiding the higher annual fee of the premium Hilton Honors Aspire Card, this card can provide substantial value. However, for those seeking more flexibility and potentially higher redemption values, a general travel rewards credit card like the American Express Green Card may be a better fit.

These cards often offer versatility in using points for various travel expenses, including flights and accommodations, and the ability to transfer points to multiple travel partners. Your decision should be based on a careful assessment of your travel habits and preferences to ensure the Hilton Honors Surpass Card aligns with your specific needs and rewards goals.