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The Hilton Honors American Express Surpass® Card combines automatic Gold status with high point earnings on hotel stays, dining, groceries, and gas. It also offers a free night certificate after $15,000 spend each year. Here’s how to apply, activate, and maximize its benefits step by step. 💳✨
Who Should Apply
This card is best for Hilton loyalists who want to elevate their hotel experience. Frequent travelers, families, and business professionals will find significant value in Gold status benefits like free breakfast and upgrades. Applicants should have good to excellent credit.
What You Need To Apply
Have the following ready:
- Social Security Number or ITIN
- Government-issued ID
- Address and employment details
- Estimated annual income
- U.S. residency verification 📑
Step-By-Step: How To Apply
1) Visit The American Express Website
Go to the Hilton Surpass® application page. 🔒
2) Review The Terms
Check the APR, annual fee, and details about Gold status and rewards.
3) Fill Out The Application
Enter personal, financial, and employment information.
4) Consent To Credit Check
Amex performs a hard inquiry on your credit.
5) Submit And Await Decision
Some applicants receive instant approval, while others may require more review. ⏳
Earn 7x Hilton Honors points on Hilton purchases, 5x on U.S. restaurants, supermarkets, and gas stations, plus 3x on all other purchases. No annual fee.
6) If Approved, Review Details
You’ll see your APR and credit limit. The card arrives within 7–10 days.
7) If Denied, Improve And Retry
Review denial reasons, build credit, and apply again later.
After Approval: Setting Up
Activate The Card
Activate via Amex’s website, app, or phone. 📲
Link To Hilton Honors Account
Ensure your card is connected to your Hilton loyalty account.
Set Up Autopay And Alerts
Enable autopay and notifications to avoid missed payments.
Add To Digital Wallets
Load the card into Apple Pay, Google Wallet, or Samsung Wallet.
Understanding Rewards
- 12x on Hilton hotels and resorts
- 6x on dining, U.S. supermarkets, and gas stations
- 3x on other purchases
- Redeem for free nights, upgrades, and Hilton Experiences
Maximizing Benefits
- Use the card for all Hilton stays to stack points with elite status bonuses.
- Take advantage of complimentary Gold status for free breakfast and upgrades.
- Spend $15,000 annually to unlock the free night certificate.
- Aim for $40,000 in annual spend if you want to reach Hilton Diamond status.
- Combine with other Amex Membership Rewards® cards for broader perks.
Security And Protections
The Surpass® card includes fraud monitoring, purchase protection, extended warranty, and trip protections like baggage insurance. 🛡️
FAQ – Frequently Asked Questions
1. What is the annual fee?
It charges a moderate fee.
2. How many points do I earn at Hilton hotels?
12x per dollar.
3. What about restaurants and supermarkets?
6x points in both categories.
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4. Do gas stations qualify for bonuses?
Yes, 6x points at U.S. gas stations.
5. What do I earn on everything else?
3x points.
6. Do I get Gold status automatically?
Yes, complimentary Hilton Gold.
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7. Can I earn Diamond status?
Yes, after $40,000 annual spend.
8. Do I receive a free night?
Yes, after $15,000 spend annually.
9. Do points expire?
No, points remain active with an open account.
10. Are there foreign transaction fees?
No, there are none.
Conclusion
The Hilton Honors American Express Surpass® Card is an excellent mid-tier hotel credit card that delivers premium-level value. Automatic Hilton Gold status provides real-world benefits like free breakfast and room upgrades, elevating every hotel stay.
The elevated earning rates make it easy to accumulate Hilton points quickly, especially when combined with Hilton’s frequent promotions. The free night certificate after $15,000 spend ensures long-term value for cardholders who use it consistently.
While the annual fee may deter some, for anyone staying at Hilton properties multiple times a year, the benefits far outweigh the cost. For Hilton loyalists, the Surpass® Card is one of the best tools to enhance travel, maximize rewards, and enjoy a higher level of hospitality.