Rated 4.5/5 stars by our editorial team
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Foreign Transaction Fee None
Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater.
Cash Advance Fee Either $10 or 5% of the amount of each cash advance, whichever is greater.
Penalty APR 29.24% Variable
Rewards Rate 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.
Annual Fee $95
$0 Fraud Liability Yes
Auto Rental Insurance Yes
Extended Warranty Program Yes
Roadside Assistance No
Purchase Protection Yes
Travel Assistance Yes
Flight Accident Insurance Yes
Lost Luggage Reimbursement No
Concierge Service No
The Hilton Honors American Express Surpass® Card is packed with rewards and benefits. Whether you're already a loyal Hilton customer or just looking to earn great travel rewards, this card could be a great choice.
The welcome offer is among the best we've ever seen. Plus, the ongoing rewards rate is extremely high.
The annual fee isn't waived the first year. Also, if you don't plan on staying at Hilton properties, the rewards may be difficult to redeem.
Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by American Express.