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Hilton Honors American Express Surpass®
Score Needed: Good to Excellent
Hilton Honors American Express Surpass®
At a glance
Welcome Offer

Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025.

Limited Time Offer
New Offer
All time high
Rewards

6X points on dining at U.S. restaurants, including takeout and delivery

6X points on gas at U.S. gas stations

4X points U.S online retail purchases

12X points for eligible purchases at hotels and resorts in the Hilton portfolio

12X points for eligible purchases at hotels and resorts in the Hilton portfolio

6X points on dining at U.S. restaurants, including takeout and delivery

6X points on gas at U.S. gas stations

4X points U.S online retail purchases

3X
Points on other purchases
Intro APR
N/A
Balance Transfer Intro
N/A
Regular APR
20.49% - 29.49% Variable
Annual Fee
$150
Hilton Honors American Express Surpass®

Maximize your travel rewards with the Hilton Honors American Express Surpass® Card. Earn 12X Points on Hilton stays, 6X at U.S. restaurants, supermarkets, and gas stations, and 4X on U.S. online retail. Enjoy complimentary Hilton Honors Gold status, Priority Pass™ access, and a Weekend Night Reward after meeting spend requirements. Elevate your travel experience effortlessly.

Application Pending? Check your status online at AmericanExpress.com/Application-Status or by calling 1-800-567-1083. Sometimes, all they need is a quick verification.

Thinking About 2 Cards? You can only get approved for up to - and including- 5 Amex credit cards (including personal and business), but this rule isn’t always enforced (please note the total of 5 credit cards excludes some Amex cards that are No Preset Spending Limit* cards like the Amex Platinum, Amex Gold, etc)

Application Declined? If your Amex application was declined, you can ask for reconsideration within 30 days without a new credit check, or up to 90 days with a new one. When you call, you can ask to move credit from another Amex card or close an old card to get the new one. If they need a tax return, send what you have—it doesn't need to match your stated income. A bank statement might work too.

Approval Rules: American Express follows a maximum of 2 card approvals within 90 days, known as the 2/90 Rule. You can hold up to 5 credit cards, excluding No Preset Spending Limit cards, with a limit of 10 such cards. Additionally, you are allowed one Platinum variant every 90 days.

Limit Increase
Credit Inquires
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For existing Amex cardholders — Amex does not pull your credit for new credit card applications.
Application Inquires Credit inquiries for same-day applications will be combined, as long as they are both approved for on the same day. Note, for some existing Amex credit cardholders, Amex will| not do a hard credit pull when applying for a new credit card at any time
Welcome Offer Eligibility: Welcome Offer Eligibility You can only receive 1 welcome bonus per lifetime on each Amex credit card. If you are not eligible for the welcome bonus you will be notified by Amex before you submit the application.
Downgrade Options
Getting your card
Quickest way to get my card: Amex will sometimes give you an instant credit card number after approval, but not always. Amex physical credit cards cannot be expedited (except for the platinum cards) and will arrive after 5-7 business days
Rescore your report: To update your balance off-cycle, call 1-800-874-2717. The update will take up to 5 business days.

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits
Card holder benefits
As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.
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Credits

$200 Hilton Credit

Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That's up to $200 in statement credits annually.

Extra Redemption Value

ShopRunner

Get free 2-day shipping* on eligible items at a growing network of 100+ online stores with ShopRunner.

Purchase Protection

Purchase Protection

Sometimes your favorite new purchase gets stolen, accidentally damaged, or lost. But when you use your Eligible Card for Covered Purchases, your Membership can help protect them for up to 90 days from the Covered Purchase date.

When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Upgraded Statuses

National Car Rental® Emerald Club Executive® Status

Hilton Honors American Express Surpass® Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card.

Upgraded Statuses

Hilton Honors™ Upgrade to Diamond Status

Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year.

Miscellaneous Benefits

Global Assist® Hotline

Whenever you travel more than 100 miles from home, Global Assist® Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.

Free Night Certificate

Free Night Reward

Earn one Free Night Reward from Hilton Honors after spending $15,000 on purchases on your Card in a calendar year.

Extended Warranty

Extended Warranty

Why is it that as soon as a Manufacturer's Warranty runs out, something always seems to happen? Use your Eligible Card for Covered Purchases and you can have warranty protection for longer. Extended Warranty matches the Original Manufacturer's Warranty for up to one additional year when you use your Eligible Card. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.

When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Lounge Access

Complimentary Gold Status

Enjoy complimentary Hilton Honors Gold status with your Hilton Honors Surpass® Card. Plus, 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.

Auto CDW Insurance

Car Rental Loss and Damage Insurance

Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory.Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.

Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Lost Luggage Insurance

Baggage Insurance Plan

Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to a combined maximum of $3,000 for checked and carry-on Baggage, which includes up to $2,000 for checked Baggage and up to $1,000 for any High Risk Items such as jewelry and electronics, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.

Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Rewards redemption
Redeem your spending bonus
How to Redeem your valuable credits
Cash Redemption
Travel Redemption
Transfer your Hilton Honors to any of the following American Express Travel Partners.
Points Transfer Partners
No transfer partners found
Balance transfer Intro Offer
N/A
Balance transfer Fee
Balance transfer Terms
Foreign Transactions
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Upgrade Your Wallet!
Hilton Honors American Express Surpass® Click learn more to see if you qualify

More questions? More answers.

What's the difference between a credit freeze and a credit lock on Experian?
There is no actual difference. By law, a freeze needs to be offered for free. Experian wants to charge you so they offer a freeze for free but for a lock they want you to pay a membership. They both do the same thing
Is it possible to reallocate my credit limit from a personal Chase card to a business card?
No, you can only transfer credit limits from personal to personal or from business to business within Chase.
Does obtaining a credit limit increase from Chase involve a credit check?
No, Chase does not pull credit for a credit limit increase.