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Hilton Honors American Specific Surpass® Card overview
The Hilton Honors American Specific Surpass® Card offers stable earnings at Hilton properties and automated Hilton Gold elite standing, which affords 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 price (see charges and charges). Card Ranking*: ⭐⭐⭐½
*Card Ranking relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Hilton Surpass is a perfect alternative for many who keep at Hilton properties typically and desire a cobranded bank card with a modest annual price and priceless perks — however who aren’t keen to shell out for the top-tier Hilton Honors American Specific Aspire Card.
The cardboard has just lately been refreshed to develop incomes classes and supply assertion credit for Hilton purchases and rental automotive elite standing whereas additionally elevating the annual price. Candidates ought to have a credit score rating of 670 or increased to be eligible for this card.
You would possibly wonder if the Surpass card is an effective addition to your pockets. Listed here are the small print and different playing cards to contemplate as you determine.
The data 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 supplied by the cardboard issuer.
Hilton Surpass execs and cons
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Hilton Surpass welcome provide
New candidates for the Hilton Surpass can earn 155,000 Hilton Honors factors after you spend $3,000 in purchases on the cardboard throughout the first six months of card membership. Supply ends April 17.
The best provide we’ve seen previously is 180,000 bonus factors, however you needed to spend $10,000 inside six months to obtain that bonus. The truth that the present bonus solely requires lower than a 3rd of the spend and offers almost the identical quantity of bonus factors makes now an excellent time to use for the cardboard.
Having one other Hilton bank card doesn’t make you ineligible for the welcome bonus, however keep in mind that Amex has a “as soon as per lifetime” rule on card bonuses. Amex additionally has these phrases for the welcome provide:
You is probably not eligible to obtain a welcome provide if in case you have or have had this Card or the Hilton Honors Amex Ascend Card or earlier variations of those Playing cards. You additionally is probably not eligible to obtain a welcome provide primarily based on varied components, resembling your historical past with bank card steadiness transfers, your historical past as an American Specific Card Member, the variety of bank cards that you’ve 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. If you happen to get this message, you possibly can proceed with out the welcome provide or withdraw your software earlier than Amex performs a laborious 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 provide is enticing, however the long-term worth for semi-regular Hilton visitors comes from the cardboard’s ongoing perks.
The next are a few of the perks the Hilton Surpass has to supply:
- Hilton Honors Gold standing — Complimentary Gold 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 day by 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 by the top of the subsequent calendar yr. Enrollment required for choose advantages. Sure accommodations have resort charges.
- As much as $200 in Hilton assertion credit — Earn as much as $200 again yearly on eligible Hilton purchases (as much as $50 in assertion credit every quarter)
- Free evening reward — Earn a free evening reward by spending $15,000 on purchases in a calendar yr. Sure accommodations have resort charges.
- Rental automotive elite standing — Obtain complimentary Nationwide Automotive Rental Emerald Membership Government standing after enrollment within the Emerald Membership program (phrases apply)
The Hilton Surpass affords varied different advantages. For instance, you’ll pay no overseas transaction charges (see charges and charges) when touring outdoors the U.S.
You’ll additionally take pleasure in free two-day transport with Store Runner, Ship & Break up to divide payments with pals — resembling a gaggle dinner — Pay It Plan It to pay giant purchases over time and secondary rental automotive insurance coverage of as much as $50,000 for theft or injury.* Enrollment required for choose advantages.
* Eligibility and profit degree varies by card. Not all automobile varieties or leases are lined, and geographic restrictions apply. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm. Protection is obtainable by American Specific Journey Associated Providers Firm, Inc.
Associated: 6 causes to get the Hilton Honors Amex Surpass card
Incomes factors with the Hilton Surpass
The Hilton Surpass card is an effective way to earn Hilton factors. You’ll earn 12 factors per greenback at Hilton Resorts and Resorts — a 7.2% return on spending, primarily based on TPG’s valuations. That is higher than you’d get with many of the finest bank cards for reserving accommodations, together with the Chase Sapphire Reserve® (6%).
You’ll 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 could be maximized when clicking by purchasing portals.
Lastly, you’ll 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 Surpass card offers a good return even for purchases outdoors the Hilton Honors program.
Associated: Reserving direct: How a lot worth does Hilton standing present?
Redeeming factors with the Hilton Surpass
Concerning the Hilton Honors program, your finest guess is to redeem your Hilton factors at no cost nights. Sadly, Hilton doesn’t publish an award chart; as a substitute, it makes use of dynamic pricing, the place the variety of factors wanted for a redemption fluctuates primarily based on components such because the money value of the resort, holidays and peak journey intervals.
Considered one of my favourite choices is to deal with properties that value comparatively few factors however present nice worth. For instance, listed here are 20 of the very best Hilton accommodations within the U.S. bookable for 20,000 factors or much less per evening. And listed here are a few of the high Hilton properties abroad bookable for 10,000 factors or much less per evening.
Hilton’s Factors & Cash possibility means that you can pay more money (and fewer factors) when making a reservation. This may be helpful if you don’t have sufficient factors for a full reserving however don’t need to pay the complete value of the resort room.
Lastly, keep in mind 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 possibly can.
Associated: 5 methods Hilton Honors ought to enhance its loyalty program
Which playing cards compete with the Hilton Surpass?
For these trying to earn and redeem factors with Hilton, pure rivals of the Surpass card shall be different Hilton bank cards. It’s additionally value contemplating playing cards whose factors you should utilize at Hilton along with different redemption choices.
- If you happen to don’t need an annual price: The Hilton Honors American Specific Card additionally earns factors you possibly can redeem with Hilton at no cost resort stays. As a card with no annual price (see charges and charges), you’ll naturally earn at decrease charges and obtain fewer perks. With the Amex Hilton Honors card, you’ll earn 7 factors per greenback at Hilton accommodations and resorts, 5 factors per greenback at U.S. eating places (together with takeout and supply), 5 factors per greenback at U.S. supermarkets and U.S. fuel stations and three factors per greenback on different eligible purchases. For extra particulars, see our full evaluation of the Amex Hilton Honors card.
- In order for you extra perks: The Amex Hilton Aspire card is Hilton’s premium card, providing top-tier Diamond standing as an automated profit. The cardboard’s annual price is $550 (see charges and charges). You’ll obtain a free evening reward on every account anniversary, and you’ll earn one other two by spending $30,000 and $60,000 on purchases together with your card throughout a calendar yr. Moreover, you possibly can obtain assertion credit every year for as much as $200 in airline charges per yr, as much as $400 in Hilton resort credit and as much as $100 in Hilton on-property credit. For extra particulars, see our full evaluation of the Amex Hilton Aspire card.
- If you happen to aren’t keen on Hilton: The Amex EveryDay Most popular 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’ll additionally earn a 50% factors bonus every billing interval if in case you have 30 or extra transactions throughout that interval. The Amex EveryDay Most popular card doesn’t earn Hilton factors. As an alternative, it earns American Specific Membership Rewards factors, which you’ll switch to Hilton for resort redemptions however may also use with 20 different airline and resort companions. For extra particulars, see our full evaluation of the Amex EveryDay Most popular card.
For added choices, take a look at our full record of the very best journey playing cards.
Learn extra: Which bank card must you use for Hilton stays?
The data for the Amex EveryDay Most popular and Hilton Aspire playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Backside line
Whereas the Surpass doesn’t provide the flexibleness of a card just like the Amex EveryDay Most popular card or the elite perks of the Amex Hilton Aspire card, it may nonetheless be simply what it’s essential to make your subsequent stick with the Hilton Honors program much more rewarding. You’ll get the advantages of Gold standing and $200 assertion credit towards Hilton purchases. Simply word that you just do have to spend $15,000 in a calendar yr to obtain a free evening award.
Apply right here: Hilton Honors American Specific Surpass Card
For charges and charges of the Hilton Surpass Card, click on right here.
For charges and charges of the Hilton Aspire Card, click on right here.
For charges and charges of the Hilton Amex Card, click on right here.
For charges and charges of the Amex EveryDay Most popular card, click on right here.
