It’s all about status and earning: Hilton Honors American Express Surpass Card review
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The Hilton Honors American Express Surpass® Card provides solid earnings at Hilton properties and Gold elite status. Gold status gets you complimentary breakfast, increased earnings and space-available upgrades when you stay at Hilton properties, which may mean that you’ll quickly be able to justify the card’s modest $95 annual fee (see rates and fees). Card Rating*: ⭐⭐⭐½
*Card Rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
As I’ve learned in my travels, Hilton Gold status is one of the best mid-tier hotel loyalty statuses you can obtain. As a Hilton Gold elite, you’ll get complimentary breakfast, space-available room upgrades up to Executive rooms and improved earnings, just to name a few of my favorite benefits. One of the easiest (and least expensive) ways to get Hilton Gold status is by becoming a cardholder of the Hilton Honors American Express Surpass Card.
This mid-tier credit card, previously known as the Hilton Honors American Express Ascend Card, re-adopted the Surpass name in June 2019. Despite the name change, most of the card’s benefits remained the same. So the Hilton Surpass is still an ideal choice for Hilton loyalists in need of a cobranded credit card with a modest annual fee. In this guide, I’ll present all the relevant information about the the card and its closest competitors so you can decide for yourself whether the Hilton Surpass is right for you.
Who is this card for?
The Hilton Honors American Express Surpass Card is a great option for semi-frequent guests of Hilton properties who don’t typically travel enough to reach Gold (or Diamond) status organically. Since you’re locked into earning (and then redeeming) points through the Hilton Honors program, a baseline requirement for this card is that you recognize the value of the Hilton Honors program. The Hilton Surpass carries a $95 annual fee (see rates and fees) but provides some nice perks when you hit the road, both at Hilton properties and at the airport.
Further reading: Hilton Surpass vs. Hilton Aspire: Which card is right for you?
Welcome bonus: As much as $1,000 in value
The Hilton Surpass currently offers a limited-time welcome bonus of 150,000 points after you spend $3,000 in purchases with your new card within the first three months of card membership. The welcome bonus points equate to $900 in value based on TPG’s most recent valuations, but you may be able to get more value if you choose when and where to use your points strategically. You’ll also get a $100 statement credit after your first purchase with your new card within the first three months of card membership. This offer ends Dec. 31, 2019.
Here’s how the Hilton Surpass welcome bonus compares to the other three Hilton Amex cards:
- Hilton Honors Card from American Express — 75,000 Hilton Honors bonus points after you spend $1,000 in purchases on the card within your first three months of card membership. See our full card review.
- Hilton Honors American Express Business Card — 125,000 Hilton Honors bonus points after you spend $3,000 in purchases on the card within your first three months of card membership. Check out our full card review.
- Hilton Honors Aspire Card from American Express — 150,000 Hilton Honors bonus points after you spend $4,000 in purchases on the card within your first three months of card membership. See our full card review.
Each card states the following regarding your ability to receive the welcome bonus:
Welcome offer not available to applicants who have or have had this Card. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility.
Further reading: 7 great ways to use 150,000 Hilton Honors points
Main benefits and perks
The Hilton Surpass’ limited-time elevated welcome bonus is attractive, but the long-term value for semi-regular Hilton guests comes in the card’s added perks. In particular, four of the cards benefits really stand out:
Hilton Honors status
The Hilton Surpass provides cardholders with automatic Gold status in the Hilton Honors program, which Nick Ewen recently valued at $1,260. Gold status includes perks such as bonus points on stays, space available room upgrades up to executive rooms and complimentary breakfast at all hotels.
If you’re a big spender and plan on charging more than $40,000 on the card in a calendar year, you’ll be bumped to top-tier Diamond status through the end of the next calendar year. Depending on how frequently you stay at Hilton properties (and how much you value the given perks of the applicable status), this can add quite a bit of value to the card.
Keep in mind that Gold status is also an automatic benefit on The Platinum Card® from American Express. So if you already carry that card in your wallet, this particular perk drops in value quite a bit. Likewise, if you want to jump straight to Diamond status, you’ll want to consider the higher-annual-fee Hilton Honors Aspire Card from American Express.
Further reading: What is Hilton Honors elite status worth in 2019?
Priority Pass access
The Hilton Surpass comes with a Priority Pass Select membership, although it won’t allow you unlimited access to Priority Pass lounges. Instead, you’ll receive 10 lounge visits every year once enrolled. You can pay for additional visits. As I mention above, if you’re a semi-frequent traveler who goes through an airport with a Priority Pass lounge a handful of times a year, this is a great perk that won’t break the bank like similar benefits on premium travel-rewards credit cards.
Further reading: Best credit cards for airport lounge access
Weekend night reward
Another nice perk on the card is another complimentary weekend night reward after you spend $15,000 on purchases on your card in a calendar year. You can use this free night at almost any Hilton property worldwide as long as your stay is on a weekend night, which is defined as a Friday, Saturday or Sunday night in most of the world.
Further reading: Maximizing Hilton Amex free night certificates
While other cards have cut shopping protections, the Hilton Surpass offers three important types of protection. The card’s extended-warranty protection may add up to two years to the manufacturer’s original warranty; the card’s return protection may reimburse you when you attempt to return a recently purchased item but the merchant won’t accept it; and the card’s purchase protection covers recent purchases against theft and accidental damage.
The Hilton Surpass offers a variety of other benefits including secondary car rental loss and damage insurance, access to the Global Assist hotline and no foreign transaction fees (see rates and fees).
How to earn points
As a cobranded hotel card, you’d expect the Hilton Surpass to offer a solid bonus on purchases at Hilton properties worldwide and you’d be right. As a cardholder, you’ll earn 12 points per dollar of spending on these stays (in addition to the normal points you’d earn through the Hilton Honors program). This is a solid return of 7.2% on these purchases, based on TPG’s valuations, and more than you would get with other popular cards such as the Chase Sapphire Reserve (6%).
You’ll also take home 6 points per dollar spent at U.S. restaurants, U.S. supermarkets and U.S. gas stations, giving you a solid return of 3.6% on these purchases. Finally, you’ll get 3 points per dollar spent on all other purchases, equating to a return of 1.8%. Neither of these rates is spectacular, but it’s still a decent return for purchases away from the main program with which the card is aligned.
Further reading: The ultimate guide to the best cards for each bonus category
How to redeem points
When it comes to the Hilton Honors program, your best bet is to redeem your points for free stays. Unfortunately, in 2017, Hilton pulled its full award charts and instead added the following language:
“The amount of Hilton Honors points required to redeem hotel rewards varies by hotel, room, booking date and length of stay.”
This makes it difficult to determine how many points you’ll need for a stay until you actually book the stay.
To alleviate this uncertainty, Hilton added a Points Explorer tool to its website. The Points Explorer tool allows you to check the maximum number of points required to book a standard room at a particular property or for multiple properties in a specific area. While the tool also shows the least number of points required to book a room at the property recently, in many cases this information is missing or simply the same as the maximum number of points required. In the end, it’s best to assume your stay will cost the maximum number of points — and then you have points to spare if the cost happens to be less.
Alternatively, you can book stays using Hilton’s Points & Money option. As the name suggests, this option allows you to decrease the number of points and increase the amount of cash you pay when booking a stay. The premise is simple: You can redeem points to cover an entire stay, pay cash for the entire stay or adjust these amounts to use a combination of the two. This provides valuable flexibility for your Hilton Honors points, since you’re in charge of how many (or few) points to use on a given redemption.
Like most other programs, Hilton Honors also allows members to redeem points for various non-hotel rewards. Most of these options provide relatively low value for your points and should be avoided. Here are three guides that will help you get solid value from your Hilton points:
- The award traveler’s guide to Hilton Honors
- How to redeem points with the Hilton Honors program
- Maximizing redemptions with Hilton Honors
- The best Hilton properties in the U.S. for 20k points or less
- Visit these top Hilton properties overseas for 10k points or less
Which cards compete with the Hilton Surpass?
The other personal cobranded Hilton credit cards — the Hilton Honors American Express Card and the Hilton Honors Aspire Card from American Express — are certainly competitors of the Hilton Surpass. The Hilton Honors American Express Card offers weaker benefits and lower earning, but it charges no annual fee (see rates and fees). The Hilton Aspire Card has a $450 annual fee (see rates and fees) but offers stronger benefits including Diamond status, a $250 resort credit each year of card membership, 14x earning at Hilton properties, a $250 airline fee credit each year of card membership and a Priority Pass Select membership that provides unlimited visits.
Further reading: How to choose the best Hilton credit card for you
Mid-tier cobranded hotel credit cards from other major brands also compete with the Hilton Surpass. The choice of which card(s) are a good fit for you will depend on how much you can utilize the benefits and earning offered by each card. Here are some cobranded hotel credit cards that compete with the Hilton Surpass:
|Card||Annual Fee||Welcome Bonus||Earning Categories||Best Benefits|
|Marriott Bonvoy Boundless Credit Card||$95||Earn 75,000 Marriott Rewards points after you spend $3,000 on purchases in your first three months from account opening||6x points at participating Marriott Bonvoy hotels; 2x points on all other purchases||A free-night certificate every year (up to 35,000 points); Marriott Silver status; 15 elite credits each calendar year; no foreign transaction fees|
|The World of Hyatt Credit Card||$95||25,000 World of Hyatt points after you spend $3,000 on purchases in your first three months from account opening; 25,000 additional World of Hyatt points after you spend $6,000 total on purchases in your first six months from account opening||4x points at Hyatt properties; 2x points on local transit and commuting, dining, airline tickets purchased directly from airlines and fitness club and gym memberships; 1x points on everything else||A free night after each account anniversary (valid at a Category 1-4 property) and a second free night after spending $15,000 during your cardmember anniversary year; World of Hyatt Discoverist status; five qualifying-night credits each year as well as two more for every $5,000 you spend; no foreign transaction fees|
|IHG Rewards Club Premier Credit Card||$89||80,000 points after you spend $2,000 on purchases in the first three months||10x points at IHG properties; 2x points at gas stations, restaurants and grocery stores and 1x points on everything else||Anniversary free night after each account anniversary (valid at a property costing 40,000 points per night or less); Platinum Elite status; fourth reward night free; save 20% on IHG points purchases with your card; a Global Entry or TSA PreCheck application fee credit every four years; no foreign transaction fees|
If you’re not looking to be locked into a single program, another competing product is the Chase Sapphire Preferred Card, which also carries a $95 annual fee. The bonus (60,000 Ultimate Rewards points after you spend $4,000 on purchases in the first three months from account opening) can be used in a variety of ways, including transferring to Hyatt, Marriott or IHG for hotel stays. You’ll earn double points on all travel and dining purchases, including a variety of merchants. You’re covered with trip-delay and trip-cancellation insurance plus primary car-rental coverage, and like the others above, it also waives foreign transaction fees.
Further reading: The best credit cards for booking hotels
The Hilton Honors American Express Surpass Card is competitive in the crowded mid-tier category of cobranded hotel credit cards. With a lucrative welcome bonus, solid earning rates, complimentary Gold elite status and an array of valuable perks, the Hilton Surpass is a great option for those who visit Hilton properties semi-frequently. It doesn’t offer the flexibility of a card like the Sapphire Preferred, but it could be just what you need to make your next stay with the Hilton Honors program even more rewarding.
Apply here for the Hilton Honors American Express Surpass Card
Featured photo by Wyatt Smith/The Points Guy.
For a limited time, earn 150,000 bonus points after you spend $3,000 on purchases in the first three months. Plus, a $100 statement credit after your first purchase with the card in the first three months. Terms apply.
- Earn a $100 Statement Credit after your first purchase on the Hilton Honors American Express Surpass® Card within your first 3 months of Card Membership.
- Plus, earn 150,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card within your first 3 months of Card Membership. Offer expires 12/31/2019.
- Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
- Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio.
- Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
- Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
- $95 annual fee.
- Terms Apply.
- See Rates & Fees