How Do I Know If the Hilton Honors AmEx Surpass Card Is Right for Me?

June CasagrandeNov 22, 2019

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Every week it seems as though there’s another new rewards credit card competing for your attention. The result of all this competition: increasingly attractive welcome offers and perks. The downside: It’s getting harder to choose.

The increased its competitive edge last year with a big welcome offer, some standout lounge perks, and an array of other benefits that make this card worth your consideration.

Here are four ways to know whether this card is right for you.

Some travel rewards cards give you points you can use anywhere. Others let you book with any provider you like, then let you redeem points for a statement credit that erases the charge. The is a third kind: a hotel-specific card designed to encourage loyalty to the company’s portfolio. Yes, like most rewards programs, Hilton Honors lets you use your points for other things, like airline miles and concert tickets.

But you generally don’t get as much value when you convert your points to a partner program. Because this card creates an incentive to stay at Hilton properties, the question becomes: Is that really where you want to stay? Hilton gives you plenty of reasons to say yes, with hotels and resorts at every price point at over 5,000 locations in 100 countries. Before you decide on this card, skim their offerings and make sure they fit with your travel plans and price points.

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Welcome offers are usually the most lucrative perk of any rewards card, but they often come with a catch: You have to make purchases of up to a specific amount in a certain amount of time after account opening to qualify. For some cards, this amount can be $5,000 or more. The has a much friendlier threshold:

You’ll be able to use your points for a free night at a lot of ultra-high-end Hilton properties like the Waldorf Astoria Bangkok, or up to four nights at certain lower-tier hotels like the ones in Hilton’s Hampton Inn collection.

A few credit cards come with unlimited access to the Priority Pass network of airport lounges, but many of these have much higher annual fees. Other cards might give you two free passes to a specific airline’s lounge every year on your cardmember anniversary. Most cards come with no lounge access at all. The is unusual because it lets you use Priority Pass lounges for free 10 times a year. Enrollment required. Terms apply.

There are over 1,200 Priority Pass lounges worldwide where your passes are valid, though not every airport terminal will have a lounge that can be accessed with Priority Pass. Browse the lounges at the , taking note of the airports (and specific terminals) you travel through to gauge whether these lounges will be convenient for you.

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Unlike a number of hotel credit cards issued by Hilton competitors Marriott and IHG, the does not automatically get you a free night certificate every year on your cardmember anniversary. But you can earn a free weekend night certificate every year you spend at least $15,000 in qualifying purchases on the card. Terms apply.

The downside is you’re limited in when you can use the certificate: weekends only. The upside is that you have a huge number of hotel options where the certificate is valid. Unlike the Marriott free night perk that’s good only for hotel rooms at the lower end of the price spectrum, the Hilton free weekend night is good at any Hilton property with availability, including very high-end properties in the company’s portfolio. Terms apply.

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You want a travel credit card that prioritizes what’s important to you. Here are our picks for the , including those best for:

Planning a trip? Check out these articles for more inspiration and advice:

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