Should You Get Hilton Honors American Express Surpass Card? Amazing Sign-up bonus and Benefits!

Опубликовано: 21 Ноябрь 2024
на канале: The Yukon Project

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Video Timeline: Should You Get Hilton Honors American Express Surpass Card.
00:00 - Intro
00:40 - Approval
02:17 - Fees and APRs
03:23 - Rewards, benefits, and bonuses
05:21 - How you earn points
06:14 - What the points are worth
07:31 - Sign-up bonus
08:16 - Added card benefits
09:51 - Summary of the Hilton Honors American Express Surpass Card
10:03 - Where to apply (or shop for other options)

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This video may contain links through which we are compensated when you click on or are approved for offers. The information in this video was not provided by any of the companies mentioned, and has not been reviewed, approved, or otherwise endorsed by any of these entities.
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The Hilton Honors American Express Surpass Card is one of three Hilton rewards cards offered by American Express. It offers some of the best rewards and benefits and the annual fee is reasonable for these benefits…as long as you are taking advantage of them all.

First off, let’s talk about getting approved, because none of this information does you any good if you can’t get the card.

First, American Express has three basic rules for card applicants. First is the “Five-Card” rule. American Express limits you to 5 American Express cards at one time including both personal and business cards. Keep in mind that cards with other issuers do not count towards your 5-card limit Also, these American Express charge cards do not count towards your limit: the Platinum Card from American Express, the Business Platinum card from American Express, American Express Gold Card, American Express Business Gold Card, and the American Express Green Card.

The second rule is the 1-in-5 rule. American Express will only approve you for one card in five days. So if there’s more than one card that you think you want to apply for, you have to wait a week to apply for the second one.

The third rule is the 2-in-90 rule. American Express will only approve you for 2 cards in 90 days. So, again, if you’re looking for 3 of their cards. You’ll need to wait 3 months to get the 3rd card.

In addition to those rules, they have standard underwriting like any lender. American Express doesn’t provide detail on their approval criteria, but I suspect that you will need good credit to be approved. I think you will struggle to get approved if you don’t have a credit score of 680 or higher. Also, you will likely need an annual income of at least $30,000. The income limits could be higher, but most of the time, your income will be key factor in what credit limit they offer you and not necessarily a key factor in whether you get approved.

The Hilton Honors American Express Surpass Card is pretty standard for fees and APRs.
They charge $150 per year to keep the card and retain access to its rewards and benefits. There are, of course, credit cards with higher annual fees. And there are credit cards with no annual fees. Whether this card is worth $150 a year to you will depend on whether you can take advantage of the rewards and benefits that they offer.

The Surpass Card’s APR ranges from 20.99% to 29.99%. If you want to pull cash out of the card, they also charge a cash advance fee of $10 or 5%, whichever is greater. If you are looking to move credit card balances, this is probably not the card for you. The Surpass card does offer balance transfers.