8 Reasons To Get The Hilton Surpass Card

Filed Under: American Express, Credit Cards
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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. In no particular order:

130,000 Hilton Honors bonus points

The Hilton Surpass Card is offering a welcome bonus of 130,000 Hilton Honors points after spending $2,000 within three months. I value Hilton Honors points at ~0.5 cents each, so to me that bonus is worth ~$650.

That’s a great bonus, especially when you consider the reasonable spending requirement.

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 and/or executive lounge access, bonus points, room upgrades, and much more.

Get an executive level upgrade as a Hilton Honors Gold member

Weekend 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 weekend night reward. This can be used for a stay at nearly any Hilton-family property in the world, including those that would otherwise retail for 120,000 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.

Redeem your weekend free night certificate at the Waldorf Astoria Los Cabos

10 Priority Pass visits per year

The Hilton Surpass Card offers 10 free Priority Pass visits per year. While this isn’t quite a membership that gets you unlimited free lounge visits, the reality is that for most peoples’ travel patterns, this should more than cover lounge needs. It’s rare to see a card with an annual fee of under $100 that offers a lounge perk like this.

Get 10 Priority Pass visits per year with the card

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

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 weekend free night certificate.

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 a great welcome bonus, offers great perks just for having the card, and also offers solid incentives to spend money on the card.

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  1. @Ethan: Note that Hilton free night is not limited to specific categories so it could be redeemed at top Hilton properties (with some exclusions of timeshare and all inclusive resorts). The main problem is that HHonors Gold only provides you an access to the lounge if you are upgraded to a room at Executive level. I am HH Diamond based on stays and also have Aspire card which I think is a better deal – no need to put $15K in spending to get a free night.

  2. Currently, the Surpass card is offering the following two additional benefits:

    1. Earn 10,000 Bonus Points each time you spend $5,000, up to 100,000 Points Hilton Honors Score More Points until 6/30/2021

    2. Earn $10 back each month after you spend $10+ on U.S. dining until 12/31/2021

  3. This Hilton Surpass card and my Amex Gold card are my go to cards for almost everything. A few years ago I started with the standard Hilton card. Then Hilton/Amex offered me 150k points to upgrade to the Surpass card without a hard pull. Great! Now my hope is Hilton/Amex will offer me the Aspire card with 150k points and the first year free. Amex seems to be doing a lot of things right at this time and I am quite loyal to them.

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