Snapshot

Hilton Honors American Express Surpass Card
Hilton Honors American Express Surpass Card
 Santander Ultimate Cash Back
Santander Ultimate Cash Back
IssuerAmerican ExpressSantander Bank
NetworkAmerican ExpressMastercard
Card MaterialPlasticPlastic
Annual Fee$150.00$0.00
Base Rate3.00%1.50%
Travel Rewards0.00x0.00x
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%1.5% (base)
Supermarkets6.0%1.5% (base)
Gas Stations6.0%1.5% (base)
Online Retail4.0%1.5% (base)
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APR12.74% - 21.74%17.24% - 24.24%
Cash Advance APR28.74%26.24%
Penalty APR29.99%N/A
Late Fee$40$39
Balance Transfer FeeN/Aundefined% (min $0)

Insurance & Protections

Auto Rental—Secondary
Baggage Delay——
Baggage Loss——
Cell Phone Protection——
Extended Warranty——
Purchase Protection——
Return Protection——
Trip Cancellation Interruption——
Trip Delay——
Tsa Precheck Global Entry——

Usability & Experience

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

Strategy & Eligibility

Recommended CreditN/AN/A
Application RulesStandardStandard