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Always a fan of flying, Spencer wanted to find ways to upgrade his travel experience. Over the years, Spencer has been a guest speaker on multiple YouTube shows as well as podcasts on maximizing point...
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The Hilton Honors American Express Surpass® Card* might be the best card for earning Hilton Honors points currently on the market. For Hilton fans, this is the hotel credit card for you.
Not only can it help you earn Hilton points, but it comes with a number of fun perks that will make your Hilton stays even better and some benefits that will bring you peace of mind.
Let’s take a look at what the Hilton Surpass Card can do for you.
*All information about this card was independently collected.
Benefits You Should Know
The Hilton Surpass Card is one of 2 co-branded Hilton Honors credit cards. It is the premium version and comes with a number of perks that make it a great card if you plan to stay at any of the Hilton brands or redeem Hilton Honors points for award stays.
Here’s a quick snapshot of the Hilton Surpass Card:
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
An excellent high-earning Hilton credit card that comes with perks like Hilton Honors Gold status and up to $200 in Hilton credits every year.
Learn More(at Amex's secure site)All information about The Hilton Honors American Express Surpass® Card has been collected independently by Upgraded Points.
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An excellent high-earning Hilton credit card that comes with perks like Hilton Honors Gold status and up to $200 in Hilton credits every year.
Earn 170,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 1/17/2024.
170,000 points
$2,550
$150
20.99% - 29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
If you’re someone who loves traveling and loves staying in Hilton hotels, adding a co-branded Hilton hotel card to your wallet is almost a no-brainer. From automatic Hilton elite status to up to $200 in Hilton credits every year, the Hilton Honors American Express Surpass® Card can be a great fit for Hilton loyalists looking to up their travel game.
Pros
12x points per $1 at Hilton hotels
6x points per $1 U.S. supermarkets, U.S. gas stations, and U.S. restaurants
4x points per $1 at U.S. online retail purchases
3x points per $1 on all other purchases
Complimentary Hilton Honors Gold status
No foreign transaction fees
Cons
Annual fee of $150.
Limited Time Offer: Earn 170,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 1/17/2024.
Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 4X Hilton Honors Bonus Points for each dollar of eligible purchases on U.S. online retail purchases.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
Right off the bat, this card is the best way to earn Hilton Honors points quickly. Every time you stay at a Hilton property and pay with this card, you will earn 12X points per dollar spent. This is on top of the points you earn for staying with Hilton.
You can also earn 6X points per dollar spent on purchases at U.S. gas stations, U.S. restaurants, and U.S. supermarkets. For many, these bonus categories will be a huge boost, since they’re some of the most common places you’ll likely spend. Not to mention that the card also earns 4X on U.S. online retail purchases.
Now, if you need to make purchases that don’t fall under one of these bonus categories, you will still earn 3X points per dollar spent. So, in a sense, all of your purchases become bonus category purchases.
If that’s not enough, the Hilton Surpass Card often comes with a hefty introductory bonus that can give your Hilton Honors account a huge boost. To earn the bonus, you will need to meet a minimum spending requirement within a stated period of time.
Relax at the Conrad Bali and see what modern luxury is all about. Image courtesy of Hilton.
As we mentioned above, just staying at Hilton properties will earn you Hilton Honors points, even if you don’t have the Hilton Surpass Card. However, you will receive an automatic bonus of 500 Hilton Honors points when you book a stay online and pay with this card.
Hot Tip: If you book through an online travel agency such as Orbitz, you will not earn Hilton Honors points on the booking, nor will you earn 12X points per dollar with this card.
For those who find themselves on the road regularly, this is an easy way to earn even more Hilton points for award stays. In this scenario, you’ll earn 12X points per dollar from the card, a 500-point bonus, and whatever points you earn automatically for your stay. That’s a ton of Hilton points!
Complimentary Gold Elite Status
If you were to earn Gold elite status with the Hilton Honors program by staying at Hilton properties, you would have to stay 20 nights or earn 75,000 Hilton Honors Base Points (these are not the same as redeemable points).
However, with the Hilton Surpass Card, you will receive Gold elite status just for having the card. This is definitely one of the best benefits the card has to offer.
With Gold status, you will receive complimentary breakfast at several of Hilton brands such as Conrad Hotels & Resorts, Curio – A Collection by Hilton, Hilton Hotels & Resorts, DoubleTree by Hilton, Tapestry by Hilton, and Hilton Garden Inn. Not having to think about what you will do for at least 1 meal while on the road makes the whole experience a little bit easier.
Another great perk of having Gold status is that you are eligible to receive your fifth night free on award bookings. This means you only need enough points to book 4 nights, and you’ll get the fifth night for no extra points.
One important thing to remember is that the benefits extended to Gold members are not consistent across Hilton brands…so you’ll want to check the Hilton Gold elite status benefits page before your stays.
Fast Track To Diamond Elite Status
If you want to take your status to Hilton’s top level (Diamond), the Hilton Surpass Card can help you get there too. Rather than staying 60 nights or earning 120,000 Hilton Honors Base Points, you can spend $40,000 on the card within a calendar year.
Take a break from the hustle of New York City at the Hilton New York Hotel Executive Lounge. Image courtesy of Hilton.
With Diamond elite status, you’ll receive all the benefits that a Gold member gets, plus a few more. Perhaps the best benefit of Diamond status is that you will receive access to the Executive Lounge (not all hotels have one), and you don’t have to stay in an upgraded Executive Room.
Additionally, you also have a 48-hour room guarantee. So, if you’re booking at least 48 hours prior to your stay, Hilton will guarantee you that a room will be available.
Consumer Protections
Like many Amex credit cards, the Hilton Surpass Card comes with a number of protections for your purchases, and even for your car rentals (if necessary).
Purchase Protection
If you make a purchase and it is stolen or damaged (accidentally) within 90 days, you could be eligible for coverage. When you pay with this card, you will be covered up to $1,000 per incident. Hopefully, you won’t need to take advantage of this very often (if at all), but you have $50,000 in coverage available per calendar year.
Return Protection
Purchases with this card can be returned within 90 days of your purchase date. This benefit is in addition to any applicable store policy. You can receive up to $300 per item and a maximum of $1,000 per cardmember year (this date is determined by the date your account was opened).
Extended Warranty
American Express’ extended warranty benefit is a great addition to the warranty provided by a manufacturer. If the manufacturer’s warranty is no more than 5 years and you purchase the item with your Hilton Surpass Card, you could be eligible for an additional year of coverage.
Each item that meets the requirements is covered up to $10,000, while the maximum cumulative coverage per year is $50,000.
Car Rental Loss and Damage Insurance
Unlike the Chase Sapphire Preferred® Card, the rental car insurance that comes with this card provides secondary coverage. This means that your insurance plan will take the role of primary coverage; if your rental car is damaged, then you will be responsible if you don’t accept the insurance from the rental company.
If you pay for a rental car with this card and choose to decline the rental company’s insurance, your personal insurance will kick in first and then will be followed by insurance provided by your Hilton Surpass Card. This additional insurance covers up to $50,000 from damage and theft.
Final Thoughts
Hilton has some amazing hotel properties, and the best way to book stays is of course with points. With the Hilton Surpass Card, you’ll be set to earn tons of Hilton points to book these stays.
Your complimentary Gold elite status that provides free breakfast at many Hilton brands will make these award stays even more fun. So, when you’re searching for your next hotel credit card, give this one a look and see what it can do for you.
The information regarding The Hilton Honors American Express Surpass® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Featured Image Credit: Hilton
Frequently Asked Questions
Do points earned with the Hilton Honors™ Surpass® Card from American Express count toward elite status?
No. Points earned with the Hilton Honors™ Surpass® Card from American Express are redeemable points rather than Base Points (which are what help you earn status).
However, you do receive Gold status just for having the card and can earn Diamond status by spending $40,000 on the card within a calendar year.
Can you transfer Hilton Honors points to airlines or other hotels?
Technically, you can transfer Hilton Honors points to airlines, but the transfer ratio is terrible. You will be much better off using your Hilton points to book award stays at Hilton properties.
Hilton Honors points cannot be transferred to other hotels.
What points can be transferred to your Hilton Honors account?
Both American Express Membership Rewards and Citi ThankYou Points can be transferred to Hilton at a 1:1.5 ratio. These transfers can take up to 24 hours to process. Additionally, there are much better ways to redeem Amex Membership Rewards points and Citi ThankYou Points.
Always a fan of flying, it was only natural that Spencer was drawn to finding a way to improve the travel experience.
Like many, he started this journey searching for cheap flights to take him around the world. This was fun for a while, but Spencer was intrigued by the idea of flying in business and first class!
Throwing himself into what became an extensive research project, Spencer spent 3-4 hours per night learning everything he could about frequent flyer miles over the course of several months (he thinks this is normal). He runs Straight to the Points, an award-seat alert platform.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
