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Hilton Honors American Express Surpass® Card: What It Is And Why It’s Valuable

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The Hilton Honors American Express Surpass® Card is a mid-tier hotel rewards card built for Hilton loyalists. It offers automatic Hilton Gold status, high earning rates on Hilton stays, and valuable travel perks that make every trip more rewarding. With the ability to earn Hilton Honors Bonus Points quickly, it’s one of the most attractive options for frequent travelers who prefer Hilton properties.

The Surpass® Card bridges the gap between entry-level hotel cards and premium products. It combines solid rewards, annual free night opportunities, and status upgrades that enhance the hotel experience.

What Is The Hilton Honors Surpass® Card?

The Surpass® Card is a co-branded credit card issued by American Express in partnership with Hilton Hotels. Its standout feature is automatic Hilton Gold status, which includes free breakfast at many hotels, room upgrades when available, and extra point bonuses on stays.

Cardholders also earn 12x points on Hilton hotel purchases, 6x points at U.S. restaurants, supermarkets, and gas stations, and 3x points on other purchases. New members may qualify for a welcome bonus after meeting minimum spending requirements.

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Main Benefits

  • 🏨 12x points at Hilton properties worldwide
  • 🍽️ 6x points at U.S. restaurants and supermarkets
  • ⛽ 6x points at U.S. gas stations
  • 💳 3x points on all other purchases
  • 🌟 Complimentary Hilton Honors Gold status
  • 🛏️ Path to Hilton Diamond status with $40,000 annual spend
  • 🎁 Annual free night reward after $15,000 spend
  • 🛡️ Travel protections and Amex Offers

Who Can Apply

The Hilton Surpass® Card is targeted to U.S. residents with good to excellent credit. It’s best for frequent Hilton guests, as Gold status and elevated point earnings provide maximum value. Families and business travelers benefit most from its mix of rewards and perks.

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Fees And Rates

  • 💰 Annual fee applies (moderate for a mid-tier card)
  • 💸 Variable APR depending on creditworthiness
  • 🌎 No foreign transaction fees
  • 💵 Cash advance and balance transfer fees

How Points Work

Hilton Honors Bonus Points are earned on each purchase and can be redeemed for:

  • Free nights at Hilton properties
  • Room upgrades
  • Hilton Experiences like tours and dining
  • Transfers to select airline partners

Points never expire as long as the account is open and in good standing.

Why It Stands Out

The Hilton Surpass® stands out for combining hotel elite status with high earning rates. Gold status includes perks like free breakfast and upgrades that significantly improve hotel stays. The potential to earn a free night each year makes it even more valuable for loyal Hilton travelers.

CHECK FEES BEFORE APPLYING

FAQ – Frequently Asked Questions

1. What is the annual fee?
It charges a moderate annual fee.

2. How many points do I earn at Hilton hotels?
12x per dollar spent.

3. Do I earn on dining and groceries?
Yes, 6x at U.S. restaurants and supermarkets.

4. What about gas stations?
6x at U.S. gas stations.

5. What do I earn on other purchases?
3x points.

6. Do I get Hilton Gold status automatically?
Yes, upon approval.

7. Can I earn Hilton Diamond status?
Yes, after $40,000 annual spend.

8. Is there a free night reward?
Yes, after $15,000 annual spend.

9. Do points expire?
No, as long as the account is open.

10. Does it charge foreign transaction fees?
No, it does not.

Conclusion

The Hilton Honors American Express Surpass® Card is one of the most rewarding hotel credit cards for loyal Hilton customers. With automatic Gold status, cardholders enjoy perks like free breakfast, late checkout, and upgrades that enhance every stay.

The elevated earning structure makes it easy to accumulate Hilton Honors points quickly, while the free night opportunity after $15,000 spend adds long-term value. For frequent travelers, the Surpass® balances affordability with strong rewards.

Overall, it’s a mid-tier card that provides premium-like benefits, making it an excellent choice for anyone who stays at Hilton properties regularly.