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Hilton Honors Surpass from American Express
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The Hilton Honors Surpass credit card offer from American Express is part of the family of Hilton hotel reward credit cards. The Surpass card is in the middle of the three credit cards offered 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 ago) 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 back in mid-2015.

Annual Percentage Rate (APR)

Rates listed apply towards new accounts
Purchases: 15.74% to 24.74% determined by credit history
Balance Transfer: N/A
Cash Advance: 25.24%
Penalty: 29.24%

Credit Card Fees

Annual: $95
Balance Transfer: N/A
Cash Advance: $10 or 5% of each transaction; the greater of the two.
Foreign Transaction: None
Late Payment: Up to $40

Sign-up Bonus and Benefits

Receive 125,000 bonus points if you spend $2,000 within 3 months of opening the account.

Hilton Honor Points Program

  • Automatic Gold member
  • 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


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Issuer: American Express National Bank
Manage Account Online at

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