8 Reasons To Get The Hilton Surpass Card

8 Reasons To Get The Hilton Surpass Card

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Link: Apply now for the Hilton Honors American Express Surpass® Card

Hotel credit cards are often underrated, given welcome bonuses and valuable perks that they can offer. The Hilton Surpass Card is Hilton’s popular mid-range personal credit card, which is a great example.

While you can read a full review of the Hilton Surpass Card here, in this post, I wanted to share eight reasons you should consider applying for this $150 annual fee card (Rates & Fees). In no particular order…

Welcome offer of 130,000 Hilton Honors points

The Hilton Surpass Card has a welcome offer of 130,000 Hilton Honors points after spending $3,000 within the first six months.

Personally, I value Hilton Honors points at ~0.5 cents each, meaning that the 130,000 Honors points are worth ~$650 to me.

Redeem your Hilton Honors points at the Conrad Bora Bora

Hilton Honors Gold status

Arguably the best ongoing perk of the Hilton Surpass Card is the hotel elite status that it offers. Specifically, you receive Hilton Honors Gold status for as long as you have the card. This is in my opinion the most valuable mid-tier hotel status out there, as it offers perks like complimentary breakfast, a daily food & beverage credit, and/or executive lounge access, plus bonus points, room upgrades, and much more.

Get an executive level upgrade as a Hilton Honors Gold member

Up to $200 in Hilton credits per year

The Hilton Surpass Card offers a benefit that will in and of itself more than justify the annual fee, for those who stay at Hiltons with any frequency. The card offers up to $200 in statement credits annually for Hilton stays.

The way this works, you get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio with your card. So as long as you spend at least $50 per quarter on a Hilton stay — whether it’s on room rates or incidentals when redeeming points — this card will net you $200 per year in statement credits.

Get up to $200 per year in Hilton statement credits

Free night certificate with spending

Not only is the Hilton Surpass Card worth holding onto for the perks, but it’s also worth spending money on. When you spend $15,000 on the Hilton Surpass Card in a calendar year you receive a Hilton free night reward. This can be used for a stay at nearly any Hilton-family property in the world, which could otherwise retail for up to 150,000 Hilton Honors points per night.

If you have this card and are in a position where you can complete that amount of spending, it’s absolutely worth it. To me, spending $15,000 on the card annually is a sweet spot.

Redeem your free night certificate at the Waldorf Astoria Los Cabos

12x Honors points on Hilton stays

The Hilton Surpass Card can be a great card to use for spending at Hilton-family properties, as you earn 12x Honors points per dollar spent. Based on my valuation of 0.5 cents per Hilton Honors points, that’s like a 6% return on Hilton spending, in addition to the points you usually earn for your stay.

Earn 12x Honors points for stays at Hilton properties

National Emerald Club Executive status

Just for having the Hilton Surpass Card, you can receive National Emerald Club Executive status for as long as you’re a cardmember. I consider National Car Rental to be the best major rental car agency in the United States, and having Executive status gets you access access to a larger selection of cars, lets you rack up rewards faster, and more.

Get an upgrade with National Emerald Club Executive status

6x Honors points on gas, groceries, and dining

The Hilton Surpass Card has some of the most well-rounded bonus categories of any hotel credit card. The card offers 6x Honors points on:

  • Dining at U.S. restaurants, including takeout and delivery
  • Gas at U.S. gas stations
  • Groceries at U.S. supermarkets

There aren’t many cards offering bonus points on restaurants, gas, and groceries, so that makes this card very well-rounded. Ideally, you could spend $15,000 per year in these categories on the card, so that you’d earn 90,000 Honors points plus a free night certificate.

Earn 6x Honors points at grocery stores

Amex Offers

You can never underestimate the value of the Amex Offers program, which offers savings for purchases with select retailers. The Amex Offers program saves me hundreds of dollars per year, and for many cards the program alone more than justifies the annual fee I pay. The more Amex cards you have, the more Amex Offers you’ll have access to.

Looking for a business card instead?

If you’ve had the Hilton Surpass Card and/or are simply looking for a business card, consider the Hilton Honors American Express Business Card. There’s a lot of overlap between the two cards, and you’re potentially eligible for the bonuses and perks of both cards.

You can read a full review of the Hilton Business Card here, and you can read a comparison of the Hilton Surpass Card and Hilton Business Card here.

Bottom line

The Hilton Surpass Card is one of the most useful mid-range hotel credit cards out there, and it’s also particularly well-rounded, given that it has an amazing welcome bonus, offers elite status just for having the card, can be worth spending money on, and even offers annual Hilton credits that can more than justify the annual fee.

If you have the Hilton Surpass Card, what has your experience been with the card?

The following links will direct you to the rates and fees for mentioned American Express Cards. These include: Hilton Honors American Express Surpass® Card (Rates & Fees).

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  1. Peter Guest

    Cancelled my Surpass in Aug 2023 and got an Amex Hilton Business Card instead. Now that the Biz card benefits have changed and annual fee is increasing, thinking of cancelling when my annual fee comes due. Will I be able to qualify for a bonus if I reapply for the Surpass?

  2. HADLEY V. BAXENDALE Guest

    4 HHonors points for online retail shopping, as well.

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The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.

Peter Guest

Cancelled my Surpass in Aug 2023 and got an Amex Hilton Business Card instead. Now that the Biz card benefits have changed and annual fee is increasing, thinking of cancelling when my annual fee comes due. Will I be able to qualify for a bonus if I reapply for the Surpass?

0
HADLEY V. BAXENDALE Guest

4 HHonors points for online retail shopping, as well.

0
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