Is the Hilton Surpass Amex card worth it?

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In our opinion, the Hilton Honors American Express Surpass® Card is properly worth its $150 annual charge (see rates and fees) if you happen to’re a Hilton loyalist, because it gives helpful earnings charges and automated Hilton Gold elite status.

Hilton Gold standing consists of complimentary breakfast, room upgrades and boosted earnings when staying at Hilton manufacturers, one among the most beneficial automated standing perks on any card.

Keep studying to find why this card is worth the annual price ticket.

Lucrative welcome supply

The Hilton Surpass gives 155,000 Hilton Honors factors after you spend $3,000 in purchases on the card inside the first six months of card membership. The highest offer we have now seen on this card is 180,000 bonus factors, however with a considerable spending requirement.

The card’s present supply meets our standards for a good time to use, as these factors are worth $930 in keeping with our valuations.

American Express lists the following phrases for the welcome supply:

You is probably not eligible to obtain a welcome supply when you have or have had this Card or the Hilton Honors Amex Ascend Card or earlier variations of those Cards. You additionally is probably not eligible to obtain a welcome supply based mostly on numerous components, akin to your historical past with credit score card stability transfers, your historical past as an American Express Card Member, the variety of bank cards that you’ve opened and closed and different components.

Before you submit your software, Amex will let whether or not you are eligible for the bonus.

Solid factors incomes with Hilton

The Hilton Surpass card earns 12 factors per greenback spent at Hilton accommodations and resorts, 6 factors per greenback spent at U.S. restaurants (together with takeout and supply), U.S. supermarkets and U.S. gas stations, 4 factors per greenback spent on U.S. on-line retail purchases and three factors per greenback spent on all different eligible purchases.

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The non-Hilton spending returns aren’t wonderful, however you will nonetheless earn appreciable worth with simply your Hilton spending — one more reason to think about if you happen to’re a Hilton loyalist.

Redemption choices

The easiest technique to maximize your Hilton Honors factors is to redeem them for free nights. You’ll wish to make word of Hilton’s dynamic pricing system, the place the variety of factors for redemptions can fluctuate based mostly on the time of yr and different components.

Hilton’s Points Explorer page can assist you establish what number of factors you will want for a free night time throughout properties inside the Hilton portfolio. You can all the time leverage your redemption with Hilton’s fifth night free perk to higher maximize your use of factors.

Hilton Honors additionally permits members to earn and redeem Hilton points with partners. However, most non-hotel redemption choices present comparatively low worth on your factors, so you will seemingly wish to avoid these choices.

Elite standing

The Surpass card gives complimentary Hilton Gold standing, which incorporates the following perks:

Additionally, if you happen to spend greater than $40,000 on the card in a calendar yr, you will earn Diamond status, Hilton’s top-tier providing, via the finish of the subsequent calendar yr.

Cardholders additionally obtain complimentary National Car Rental Emerald Club Executive standing after enrollment in the Emerald Club program. Terms apply. Benefits embrace elevated entry to vehicles, assured upgrades and no second-driver charges.

If you do not use National you may leverage the elite standing to finish a status match to other car rental companies.

Hilton assertion credit score

A helpful perk of the Hilton Surpass that helps to offset the annual charge is an announcement credit score towards eligible Hilton purchases. Cardholders obtain as much as $50 in assertion credit (as much as $200 yearly) every quarter when utilizing the card for Hilton purchases.

Eligible purchases for the assertion credit score are these charged instantly with a Hilton portfolio property, together with room charges and incidental costs akin to room service, minibar consumption and laundry companies.

Even if you happen to do not stay at a Hilton property each quarter, you might be able to maximize this credit by buying a Hilton reward card on-line, or visiting a Hilton property to have a meal or buy one thing from the reward retailer.

Free night time reward

The Hilton Surpass gives a free night time reward once you spend $15,000 on purchases on the card in a calendar yr. It can be utilized at almost any Hilton property worldwide.

If you worth that free night time at, say, $300, that also makes for a 2% return on the $15,000 in spending.

Other advantages

Finally, the Hilton Surpass consists of no foreign transaction fees (see rates and fees) when touring outdoors the U.S., free two-day delivery with ShopRunner and Amex’s “Send & Split” feature, which helps you to divide payments like a bunch dinner with associates. Enrollment required for choose advantages.

Additionally, the card comes with Amex’s “Plan It” perk, which makes it doable to pay massive purchases over time, plus secondary rental car insurance of as much as $50,000 for theft or injury.*

*Eligibility and profit stage varies by card. Not all automobile sorts or leases are lined, and geographic restrictions apply. Terms, circumstances and limitations apply. Visit americanexpress.com/benefitsguide for particulars. Policies are underwritten by AMEX Assurance Company. Coverage is obtainable via American Express Travel Related Services Company, Inc.

Bottom line

The Surpass would not have the flexibility or over-the-top perks of another playing cards, nevertheless it might be simply what you are on the lookout for if you happen to’re a semi-frequent traveler who’s a fan of Hilton. Automatic Gold standing, excessive points-earning alternatives and as much as $200 in annual Hilton credit make this card an ideal choice for Hilton loyalists.

To be taught extra about the card, learn our full review of the Hilton Surpass.

Apply right here: Hilton Honors American Express Surpass Card

For charges and charges of the Hilton Surpass Card, click on here.

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