Hilton Honors American Categorical Surpass Card overview
The Hilton Honors American Categorical Surpass® Card supplies stable earnings at Hilton properties and computerized Hilton Gold elite standing, which gives complimentary breakfast, elevated earnings and space-available upgrades if you keep at Hilton properties. The standing perk alone might make it simple to justify the cardboard’s $150 annual charge (see charges and costs). Card Ranking*: ⭐⭐⭐½
*Card score relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Hilton Surpass is a perfect selection for many who keep at Hilton properties typically and need a cobranded bank card with a modest annual charge and precious perks — however who aren’t keen to shell out for the top-tier Hilton Honors American Categorical Aspire Card.
Candidates ought to have a credit score rating of 670 or larger to be eligible for this card.
You would possibly ponder whether the Hilton Surpass card is an efficient addition to your pockets. Listed below are the small print and different playing cards to contemplate as you resolve.
The knowledge for the Hilton Aspire Amex Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Hilton Surpass professionals and cons
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Hilton Surpass welcome supply
New candidates for the Hilton Surpass can earn a welcome supply of 165,000 bonus factors after spending $3,000 in purchases on the cardboard within the first six months of cardmembership. This supply ends on Jan. 8, 2025.
This welcome supply is not too removed from one of the best supply ever seen and meets our standards for a superb supply to reap the benefits of.
Having one other Hilton bank card would not make you ineligible for the welcome bonus, however do not forget that Amex has a “as soon as per lifetime” rule on card bonuses. Amex additionally has these phrases for the welcome supply:
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You is probably not eligible to obtain a welcome supply when you’ve got or have had this Card, the Hilton Honors Amex Ascend Card or earlier variations of those Playing cards. You additionally is probably not eligible to obtain a welcome supply based mostly on varied components, corresponding to your historical past with bank card steadiness transfers, your historical past as an American Categorical Card Member, the variety of bank cards that you’ve got opened and closed and different components.
Fortunately, Amex will inform you earlier than submitting your software in the event you’re not eligible for the bonus. In case you get this message, you’ll be able to proceed with out the welcome supply or withdraw your software earlier than Amex performs a onerous pull in your credit score report.
Associated: An entire information to Amex’s one-bonus-per-lifetime restrictions
Hilton Surpass advantages
The Hilton Surpass card’s welcome supply is engaging, however the card’s ongoing perks present long-term worth for semi-regular Hilton company. Enrollment is required for choose advantages; phrases apply.
The next are a few of the perks the Hilton Surpass has to supply:
- Hilton Honors Gold standing: Complimentary Gold Elite standing, together with the next perks: an 80% factors bonus on paid stays, space-available room upgrades, elite rollover nights, a fifth evening free if you e book a stick with factors and every day breakfast or meals and beverage credit score. Spending $40,000 on the cardboard in a calendar yr will earn you top-tier Diamond standing via the top of the following calendar yr.
- As much as $200 in Hilton assertion credit: Earn as much as $200 again each calendar yr on eligible Hilton purchases (as much as $50 in assertion credit every quarter)
- Rental automobile elite standing: Obtain complimentary Nationwide Automotive Rental Emerald Membership Government standing after enrollment within the Emerald Membership program (phrases apply)
The Hilton Surpass gives varied different advantages. For instance, you’ll pay no overseas transaction charges when touring exterior the U.S.
You will additionally get pleasure from free two-day delivery with Store Runner, Ship & Break up to divide payments with associates — corresponding to a gaggle dinner — and secondary rental automobile insurance coverage of as much as $50,000 for theft or harm.*
* Eligibility and profit degree varies by card. Not all car varieties or leases are coated, and geographic restrictions apply. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm. Protection is obtainable via American Categorical Journey Associated Companies Firm, Inc.
Associated: 5 causes to get the Hilton Honors Amex Surpass card
Incomes factors with the Hilton Surpass
The Hilton Surpass card is a good way to earn Hilton factors. You will earn 12 factors per greenback at Hilton Inns and Resorts — a 7.2% return on spending, based mostly on TPG’s September 2024 valuations. That is higher than you’d get with a lot of the greatest bank cards for reserving accommodations, together with the Chase Sapphire Reserve®.
You will earn 6 Hilton factors per greenback spent at U.S. eating places (together with takeout and supply), U.S. supermarkets and U.S. fuel stations, supplying you with a return of three.6% on these purchases.
The Hilton Surpass additionally earns 4 factors per greenback on U.S. on-line retail purchases, which will be maximized when clicking via purchasing portals. That is a return of two.4%
Lastly, you will get 3 factors per greenback spent on all different eligible purchases — a return of 1.8%.
These returns on non-Hilton spending aren’t spectacular. However, if you wish to increase your Hilton factors steadiness, the Hilton Surpass card supplies an honest return even for purchases exterior the Hilton Honors program.
Associated: Reserving direct: How a lot worth does Hilton standing present?
Redeeming factors with the Hilton Surpass
Relating to the Hilton Honors program, your greatest wager is to redeem your Hilton factors without spending a dime nights. Sadly, Hilton would not publish an award chart; as an alternative, it makes use of dynamic pricing, the place the variety of factors wanted for a redemption fluctuates based mostly on components such because the money value of the resort, holidays and peak journey durations.
Certainly one of my favourite choices is to concentrate on properties that value comparatively few factors however present nice worth. Due to Hilton’s dynamic award charts, these will be onerous to search out, however with slightly persistence and energy, you’ll be able to rating some improbable offers.
Hilton’s Factors & Cash possibility means that you can pay more money (and fewer factors) when making a reservation. This may be helpful when you do not have sufficient factors for a full reserving however do not wish to pay the complete value of the resort room.
Lastly, do not forget that Hilton means that you can pool your factors with as much as 10 different members. If you wish to mix balances with a buddy or member of the family to place an much more luxurious award keep inside attain, you’ll be able to.
Which playing cards compete with the Hilton Surpass?
For these trying to earn and redeem factors with Hilton, pure rivals of the Hilton Surpass card might be different Hilton bank cards. It is also value contemplating playing cards whose factors you should utilize at Hilton along with different redemption choices.
- In case you do not wish to pay an annual charge: The Hilton Honors American Categorical Card additionally earns factors you’ll be able to redeem with Hilton for complimentary resort stays. As a card with no annual charge (see charges and costs), you will naturally earn at decrease charges and obtain fewer perks. With the Amex Hilton Honors card, you will earn 7 factors per greenback at Hilton accommodations and resorts, 5 factors per greenback at U.S. eating places (together with takeout and supply), U.S. supermarkets and U.S. fuel stations and three factors per greenback on different eligible purchases. To study extra, see our full assessment of the Amex Hilton Honors card.
- If you need extra perks: The Amex Hilton Aspire card is Hilton’s premium card, providing top-tier Diamond standing as an computerized profit. The cardboard’s annual charge is $550. You will obtain a free evening reward on every account anniversary, and you may earn one other two by spending $30,000 and $60,000 on purchases along with your card throughout a calendar yr. Moreover, you’ll be able to obtain assertion credit every year for as much as $200 in airline charges per calendar yr (as much as $50 every quarter), as much as $400 in Hilton resort credit every calendar yr (as much as $200 semi-annually) and as much as $100 in Hilton on-property credit. Enrollment is required; phrases apply. To study extra, see our full assessment of the Amex Hilton Aspire card.
- In case you aren’t a fan of Hilton: The Amex EveryDay Most well-liked card earns 3 factors per greenback on as much as $6,000 of annual purchases at U.S. supermarkets (then 1 level per greenback), 2 factors per greenback at U.S. fuel stations and 1 level per greenback on different purchases. You will additionally earn a 50% factors bonus every billing interval when you’ve got 30 or extra transactions throughout that interval. The Amex EveryDay Most well-liked card would not earn Hilton factors. As a substitute, it earns American Categorical Membership Rewards factors, which you’ll switch to Hilton for resort redemptions however can even use with 20 different airline and resort companions. To study extra, see our full assessment of the Amex EveryDay Most well-liked card.
For added choices, take a look at our picks for the greatest journey playing cards and greatest resort playing cards.
Learn extra: Which bank card must you use for Hilton stays?
The knowledge for the Amex EveryDay Most well-liked card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Backside line
Whereas the Hilton Surpass would not supply the flexibleness of a card just like the Amex EveryDay Most well-liked card or the elite perks of the Amex Hilton Aspire card, it might nonetheless be simply what it’s essential to make your subsequent stick with the Hilton Honors program much more rewarding. You will get the advantages of Gold Elite standing and as much as $200 assertion credit towards Hilton purchases each calendar yr (as much as $50 every quarter).
Apply right here: Hilton Honors American Categorical Surpass Card
Associated: World of Hyatt card vs. Hilton Surpass card
For charges and costs of the Hilton Surpass Card, click on right here.
For charges and costs of the Hilton Amex Card, click on right here.
