Snapshot

Hilton Honors American Express Surpass Card
Hilton Honors American Express Surpass Card
 Bank of America Premium Rewards Elite
Bank of America Premium Rewards Elite
IssuerAmerican ExpressBank of America
NetworkAmerican ExpressVisa
Card MaterialPlasticMetal
Annual Fee$150.00$550.00
Base Rate3.00%1.50%
Travel Rewards0.00x2.00x
Auth. User Fee$0.00$0.00
Foreign Txn Fee0%0%
LifecycleActiveAvailable

Welcome Offer

BonusNoneNone
Spend Requirement——
Timeline——

Rewards Breakdown

Base Rate3.0% (base)1.5% (base)
Hotels12.0%1.5% (base)
Restaurants6.0%2.0%
Supermarkets6.0%1.5% (base)
Gas Stations6.0%1.5% (base)
Online Retail4.0%1.5% (base)
Travel3.0% (base)2.0%
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APR12.74% - 21.74%21.24% - 28.24%
Cash Advance APR28.74%29.99%
Penalty APR29.99%29.99%
Late Fee$40$40
Balance Transfer FeeN/Aundefined% (min $0)

Insurance & Protections

Auto Rental—✓
Baggage Delay—✓
Baggage Loss—✓
Cell Phone Protection——
Extended Warranty—✓
Purchase Protection—90 days
Return Protection—90 days
Trip Cancellation Interruption—✓
Trip Delay—✓
Tsa Precheck Global Entry—Up to $100

Usability & Experience

Digital WalletN/AN/A
Instant Card Number——
Credit BureausN/AN/A

Strategy & Eligibility

Recommended CreditN/AN/A
Application RulesStandardStandard