Hilton Surpass Amex Review
The Hilton Surpass American Express card is tailored for Hilton hotel loyalists. This review evaluates the card's features, rewards structure, and Hilton-related perks, helping you decide if it's a valuable addition to your wallet.
The Hilton Honors American Express Surpass Card, also known as the Hilton Surpass Amex, is a co-branded hotel rewards credit card offered by American Express in partnership with Hilton Hotels, I can provide you with a review of the key features, benefits, and potential drawbacks of the Hilton Surpass Amex. Please note that credit card offerings can change, so it's crucial to verify the most current terms and conditions, benefits, and fees before applying for the card. Here's an overview:
Key Features and Benefits:
Hilton Honors Points: Cardholders typically earn Hilton Honors points for every dollar spent on the card. These points can be redeemed for free hotel stays, room upgrades, and other Hilton Honors rewards.
Sign-Up Bonus: The card often offers a sign-up bonus, which may include a substantial number of bonus points after reaching a specific spending threshold within the initial months of card ownership.
Hilton Honors Status: Cardholders receive complimentary Hilton Honors Gold status, which offers benefits like room upgrades, late checkout, and bonus points on stays. Some versions of the card provide the opportunity to earn Hilton Honors Diamond status after reaching specific spending thresholds.
Weekend Night Rewards: Depending on your card version, you may earn weekend night rewards when you reach specific spending thresholds. These rewards can be used for free weekend nights at Hilton properties.
Priority Pass Select: The card may include Priority Pass Select membership, providing access to over 1,300 airport lounges worldwide.
No Foreign Transaction Fees: The Hilton Surpass Amex typically does not charge foreign transaction fees, making it suitable for international travelers.
Car Rental Loss and Damage Insurance: Some versions of the card offer car rental insurance, which can provide coverage in case of damage or theft of a rental vehicle.
Drawbacks:
Annual Fee: The card usually comes with an annual fee. Be sure to review the terms and assess whether the benefits outweigh the cost.
Interest Rates: Like many premium credit cards, the Hilton Surpass Amex may have relatively high-interest rates. To maximize its benefits, it's advisable to pay off the balance in full each month to avoid interest charges.
Limited Acceptance: Co-branded credit cards may have limited acceptance outside of the specific brand, so it may not be the best card for everyday spending.
Hotel Focus: While the card offers valuable hotel benefits for Hilton stays, its rewards are primarily focused on Hilton Honors, so it may not be the best option if you prefer more versatile travel rewards.
The Hilton Surpass Amex is a suitable choice for frequent Hilton hotel guests and those who want to earn rewards for their Hilton stays. The card offers several valuable benefits, including complimentary Gold status, which can enhance the hotel experience and provide access to room upgrades and other perks.
Before applying for the Hilton Surpass Amex, carefully review the latest terms and conditions, benefits guide, and any associated fees to ensure it aligns with your travel and spending preferences, especially if you're a fan of Hilton Hotels.
Assessing the benefits of the Hilton Surpass American Express card..
The Hilton Surpass American Express card is a great option for travelers who want to earn rewards on their Hilton stays and get a variety of other valuable benefits.
Rewards:
- Earn 7 points per $1 spent at Hilton hotels and resorts.
- Earn 5 points per $1 spent at U.S. restaurants (including takeout and delivery).
- Earn 5 points per $1 spent at U.S. supermarkets and U.S. gas stations.
- Earn 3 points per $1 spent on all other purchases.
Benefits:
- $200 Hilton credit: Receive up to $200 back each year (up to $50 in statement credits each quarter) for eligible purchases made directly with Hilton.
- Free Night Reward: Earn a Free Night Reward after every 10 nights stayed at a Hilton property.
- Priority Pass Select membership: Receive complimentary access to over 1,300 airport lounges worldwide.
- Global Entry or TSA PreCheck® application fee credit: Get a $100 statement credit towards the cost of applying for Global Entry or TSA PreCheck®, which can make your travel experience more efficient and hassle-free.
- Travel insurance: Receive travel accident insurance, rental car insurance, and purchase protection.
- Extended warranty protection: Get an extra year of warranty protection on eligible purchases.
- Purchase protection: Be protected against theft or accidental damage for up to 90 days after purchase.
- American Express® benefits: Get access to a variety of American Express® benefits, such as Visa Signature Concierge Service, Visa Signature Luxury Hotel Collection, and Visa Signature Airport Lounges.
Overall, the Hilton Surpass American Express card is a great option for travelers who want to earn rewards on their Hilton stays and get a variety of other valuable benefits. The card has a generous rewards rate on Hilton stays, and it offers a number of valuable travel benefits, such as a Free Night Reward, Priority Pass Select membership, and Global Entry or TSA PreCheck® application fee credit.
Here are some tips for maximizing your Hilton Surpass American Express card benefits:
- Use your card for Hilton stays: Earn 7 points per $1 spent at Hilton hotels and resorts, which is the highest earning rate on the card.
- Use your card for everyday purchases: Earn 5 points per $1 spent at U.S. restaurants (including takeout and delivery) and 5 points per $1 spent at U.S. supermarkets and U.S. gas stations.
- Take advantage of the $200 Hilton credit: Receive up to $200 back each year (up to $50 in statement credits each quarter) for eligible purchases made directly with Hilton.
- Earn a Free Night Reward: Earn a Free Night Reward after every 10 nights stayed at a Hilton property.
- Use your Priority Pass Select membership: Receive complimentary access to over 1,300 airport lounges worldwide.
- Apply for Global Entry or TSA PreCheck®: Use your $100 statement credit towards the cost of applying for Global Entry or TSA PreCheck®, which can make your travel experience more efficient and hassle-free.
- Take advantage of the travel insurance: Be protected with travel accident insurance, rental car insurance, and purchase protection.
- Use the extended warranty protection: Get an extra year of warranty protection on eligible purchases.
- Use the purchase protection: Be protected against theft or accidental damage for up to 90 days after purchase.
- Take advantage of the American Express® benefits: Get access to a variety of American Express® benefits, such as Visa Signature Concierge Service, Visa Signature Luxury Hotel Collection, and Visa Signature Airport Lounges.
By following these tips, you can maximize your Hilton Surpass American Express card benefits and get the most out of your card membership.