Hilton Honors Surpass from American Express

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Hilton Honors Surpass American Express 2020


The Hilton Honors Surpass credit card offer from American Express is part of the family of Hilton Honor reward credit cards. The Surpass card is in the middle of the three credit cards offered for Hilton hotels in terms of bonus points, rewards, and annual fee. The other two cards available include the higher tier Aspire card, and the basic card. All three credit accounts are issued in partnership with American Express.

A long time ago in a galaxy far away (well technically the same galaxy and not that long age) for some idiotic reason Hilton chose to name its rewards program the Hilton Hhonors. Yes, that is correct honors spelled with the letter "h" twice. Eventually the big wigs realized how ridiculous that name was so they rightfully changed it to the more palpable Hilton Honors.


  • 12 points per dollar spent at participating hotels
  • 6 points per dollar spent on gas, grocery, and restaurant purchases
  • 3 points per dollar spent on everything else
  • Automatic Gold member

Interest Rate

Purchases: 15.74% to 24.74%
Cash Advance: 25.24%
Penalty: 29.24%


Annual: $95
Cash Advance: The greater of $10 or 5% of the amount advanced
Foreign Transaction: None
Late Payment: Up to $40


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Issuer: American Express National Bank

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