The Hilton Honors American Express Surpass Card, issued by American Express, is a solid choice in the market.

Hilton Honors American Express Surpass Card Payoff Analysis

Hilton Honors American Express Surpass Card Payoff Analysis

This tool is provided "AS IS" for informational purposes. It does not constitute financial or legal advice. Projections are based solely on user inputs and may not reflect current issuer terms. Users must verify all data against their official cardmember agreements. See full Terms.

Time to Pay Off
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Rewards Earned --
Interest Paid --
Interest Earned ? Interest earned by keeping your cash in a yield-bearing account during the grace period.

Formula: Balance × (APY / 365) × Days. --
TOTAL DEBT SERVICE --
* Estimates use live economic data (Prime Rate: 6.75%) and daily compounding. Does not include new purchases or late fees.

Snapshot

Hilton Honors American Express Surpass Card
Hilton Honors American Express Surpass Card
IssuerAmerican Express
NetworkAmerican Express
Card MaterialPlastic
Annual Fee$150.00
Effective: $-50.00
• $200 Hilton Credit
Base Rate3.00%
Travel Rewards0.00x
Authorized User Fee$0.00
Foreign Transaction FeeNone
Credit ReportingNone
Product LifecycleActive
Minimum Credit LineN/A

Welcome Offer

Bonus130,000 Hilton Points
Spend Requirement$3,000
Timeline180 days
Efficiency Score43.33 pts/$1
Cash Back Value—
Portal Travel Value—
Transfer Estimated Value—

Rewards Breakdown

Base Rate3.00%
Gas Stations6.0x
Hilton12.0x
Restaurants6.0x
Supermarkets6.0x
US Online Retail4.0x
Anniversary BonusNone
Portal Boost1x

Pricing Details

Purchase APR19.49% - 28.49%
Cash Advance FeeNone
Balance Transfer FeeNone
Late Payment FeeUp to $Unverified
Minimum Interest ChargeNone
Grace PeriodN/A
Penalty APRNone

Official Resources

Comparisons

See how the Hilton Honors American Express Surpass Card compares to other cards.

Terms and rewards for this card are currently Unverified. While we strive for accuracy, card issuers may change terms at any time. Always verify details on the issuer's official website before applying.