Understanding the Hilton HHonors Surpass Card from American Express terms and rewards program isn’t really that difficult. At first, I thought it was going to be some perplexing structure that made me just sort of hope for a favorable experience. However, it quickly became evident that this card has a lot to offer in terms of passive benefits. Of course, the benefits and rewards should be enticing – because there is a $75 annual fee to pay in order to enjoy them.
Here’s an overview of the Hilton HHonors Surpass Card From American Express points reward structure:
- 9 points for every $1 you charge at Embassy Suites, Doubletree, Hampton Inn or any other Hotel chain owned by Hilton;
- 6 points for every $1 you charge at grocery stores, gas stations and pharmacies (excluding superstore warehouse clubs);
- 6 points per $1 on various communications bills like your Internet service, cell phone, land line, etc.;
- 3 points per $1 charged on all other purchases;
- 40,000 points awarded after you make your first purchase with the card;
- Up to 20,000 more points for staying at least 8 nights in the first 18 months in Hilton-owned hotels;
- 20,000 points for charging $3000 or more during the first 3 months;
Hilton HHonors Surpass Card from American Express Features & Benefits
The Hilton HHonors Surpass Card from American Express comes with a load of helpful and attractive features and benefits. For instance, Airport Lounge Access gives you instant access to over 600 airport lounges that have Priority Pass membership privileges. This normally costs $99 per person per visit, but that fee drops to $27 for cardholders. You’ll also receive Baggage Insurance at no addition cost to you. And you will receive tempting bonuses for making your travel reservations online. Plus, you’ll get an extra 500 points every time you make reservations online at any Hilton Worldwide branded website.
You will get a 20% discount any time you use your Hilton HHonors Surpass Card from American Express to pay for services from EmpireCLS Worldwide Chauffeured Services. They provide distinguished door-to-door chauffeur services in more than 700 prominent cities worldwide. So travel and arrive in serious style!
Or, if you are driving in your own ride, you still will be covered with Roadside Assistance that includes jumping a dead battery, bringing emergency gasoline, fixing a flat tire or even getting a tow. It’s a nice benefit just for getting the Hilton HHonors Surpass Card from American Express. You will also enjoy the peace of mind that comes from knowing that any rental car losses and/or damages are covered, even if the entire car is stolen.
You can definitely use 24/7 Global Assist® Hotline assistance if you ever lose your passport, need translation, or just directions whenever you are traveling at least 100 miles from your homer location. This can help you plan your trips most efficiently, get advice from an English-speaking doctor or simply finding something good to eat when you’re on the road. The Hilton HHonors Surpass Card from American Express has you covered here.
When you travel via any Common Carrier Conveyance, you and your family will be covered with accidental death or dismemberment insurance. Of course, this applies only when you use your Hilton HHonors Surpass Card from American Express to pay for the tickets. Please note that for some reason, this coverage does not apply to cardholders who live in New Hampshire.
With the Entertainment Access® benefit, you will be able to enjoy steep discounts, pre-sale promotional campaigns and other savings opportunities for professional sporting events, Broadway shows, rock concerts and a lot more. You’ll also get to enjoy access to various events and happenings that are for cardholders only.
When you go shopping with your Hilton HHonors Surpass Card from American Express, you can automatically extend the manufacturer’s warranty of eligible purchases. The extension will be up to one year of extra coverage. There’s also the Purchase Protection benefit that protects you against damage to or theft of card purchases.
And you can shop with more security with the Return Protection benefit. This benefit ensures that you can get reimbursed for items that you have kept for too long to get a store refund for. For eligible purchases, American Express will refund items of up to $300 in value. This must occur within ninety days of the purchase date. The maximum amount allotted per account is $1000 annually.
Hilton Surpass Card from American Express Rates and Fees
In general, APRs for the Hilton HHonors Surpass Card from American Express are a bit lower than most other cards. For instance, the APR on purchases is 2.9% for 6 months. Then the regular purchases APR will raise to either 15.24%, 17.24% or 19.24%, to be determined by your credit rating and several other variables that will be considered when you are issued your card. This will also be the APR for balance transfers. Other annual percentage rates for this card are:
- 25.24% APR on cash advances;
- 27.24% penalty APR;
The penalty APR will be assigned to your account if you make any payment late (even one) and/or have a payment returned. If the penalty APR is applied to your account, it will remain in effect at least six months. Your performance will be reviewed each six months to see if you are creditworthy of receiving a reduced rate. For more specific info, please check out the company website.
Fee Schedule for the Hilton Surpass Card from American Express
- $75 membership fee (annually);
- 3% or $5 fee (whichever is greater) for balance transfers;
- 3% or $5 fee for cash advances;
- 2.7% fee for foreign transactions based on the amount after conversion to U.S. Dollars;
- Up to $35 fees for late payments and/or returned payments;
If you travel a lot and use your card for lodging fees, the $75 annual fee is no big deal. It will pay for itself quickly. It’s a plus too that there are no blackout dates. You’ll find that when compared to similar cards that have no annual fee, the rewards program structure is highly favorable. For frequent travelers who enjoy staying at Hilton-owned hotels, the Hilton HHonors Surpass Card from American Express is an attractive option for your card arsenal.