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Hilton Honors Surpass Amex: terms, score and downsides

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric score 63.9% across 78 cards. Issuer page ↗

Downsides first

• $150 annual fee (CFPB TCCP; issuer page did not render a clear fee)
• APR up to 28.74% if you carry a balance
• Penalty APR Prime + 26.74% (variable)
• Late fee up to $40
• 12X Hilton purchases not modeled.

Terms & fees

• IssuerAmerican Express
• Typetravel
• Annual fee$150 (CFPB TCCP; issuer page did not render a clear fee) files.consumerfinance.gov, 2025-12-31
• Regular purchase APR19.74%–28.74% variable americanexpress.com, 2026-10-12
• Rewards3% base; 6% dining; 6% gas; 6% groceries; 4% online americanexpress.com, 2026-10-12
• Sign-up bonus (≈$)not found americanexpress.com, 2026-10-12
• Intro APRnone No intro APR shown americanexpress.com, 2026-10-12
• Foreign transaction feenone files.consumerfinance.gov, 2025-12-31
• Penalty APRPrime + 26.74% Variable: Prime Rate + 26.74% per Amex agreement rate table consumerfinance.gov, 2026-06-30
• Late feeup to $40 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31
• Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
• Cash advance fee5% files.consumerfinance.gov, 2025-12-31
• Credit needed720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
• Grace period25 days files.consumerfinance.gov, 2025-12-31
• Cash advance APR29.49% files.consumerfinance.gov, 2025-12-31
• CFPB survey APR (2025-12-31)19.49%–29.24% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Complaint record (CFPB)

• Complaints, last 12 months11,574
• Trend▲ 14% (last 12 mo 11,574 vs prior 12 mo 10,155)
• Timely response (last 36 mo)99.5%
• Per $1B deposits (12 mo)67.47
• Top issueIncorrect information on your report
• Insurance statusFDIC-insured: American Express National Bank (cert 27471, active; deposits $171.6B as of 06/30/2026)

Company-level (AMERICAN EXPRESS COMPANY), all products, as of 2026-10-12. American Express complaints: full record → Shown for context; does not change the score.

Score breakdown

• Annual fee 5.0/10Annual fee $150 (CFPB TCCP; issuer page did not render a clear fee) (as of 2025-12-31). Rubric: $0=10, ≤$95=8, ≤$395=5, ≤$695=3, more=1 (perks/credits are not counted).
• Rewards rate 10/10Base 3% on everything, top category 6% (as of 2026-10-12; points/miles valued at 1¢). Score = base/2%×7 + min(top,6)/6%×3. 3% base; 6% dining; 6% gas; 6% groceries; 4% online
• Sign-up bonus n/a/10not found — unknown, scored 2.7/10 (lower of neutral 5 and comparison median)
• Intro 0% APR 0.0/10No intro APR shown (as of 2026-10-12). Score = months/21×10.
• Regular APR 7.0/1019.74%–28.74% variable (as of 2026-10-12); midpoint 24.24%. Score = (34 − midpoint)/1.4, 0–10.
• Foreign transaction fee 10.0/10No foreign transaction fee (as of 2025-12-31).
• Regulatory record (CFPB) 10.0/10Issuer American Express: Base 10, no actions in last 5 yrs found. Note: No CFPB enforcement action found in the last 5 years in our search

0.143×5.0 + 0.143×10 + 0.143×2.7* + 0.143×0.0 + 0.143×7.0 + 0.143×10.0 + 0.143×10.0 = 6.39 → 63.9% (* unknown, imputed)

Is Hilton Honors Surpass Amex worth it? (break-even math) →Value for my spending →

Compare with

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No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

What is the Hilton Honors Surpass Amex annual fee?

$150 (CFPB TCCP; issuer page did not render a clear fee)

What is the Hilton Honors Surpass Amex APR?

19.74%–28.74% variable

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.