American Express Hilton Surpass

Editorial Note: Opinions expressed here are the author’s alone and have not been reviewed or endorsed by any company or third party unless clearly stated otherwise.

Amex Surpass

American Express Hilton Surpass has an annual fee of $75. However, the BEST offer right now gives you 100,000 Hilton points if you spend $3000 in the first 3 months + 1 Free Weekend Night after the first year. It is awesome.

To get a perspective of what you can do with 100,000 Hilton points, you can easily google Hilton Category 1 hotels, and you will get a long list of hotels that you can stay for 5000 points. That equals to 25 nights because if you stay 5 nights, you get one night free on points.

Here is a Google Maps of where you can stay at Category 1 and 2 hotels.

Or you can head to www.awardmapper.com to search for anywhere you want to go.

This card also gives you the following benefits:

  • Complimentary Hilton GOLD Status and if you spend $40,000 annually on the card, you will get DIAMOND Status.
  • 12X Hilton Honors points per dollar spend at Hilton.
  • 6X Hilton Honors points per dollar spend at gas stations, groceries, and restaurants.
  • 3X on all purchases.
  • All Amex Standard Benefits.

Recommendation:

I would sign up for this card due to the huge sign up bonus and the annual free night. This is a great bonus with 100,000 Hilton Honors points plus you get GOLD status without any stay at Hilton.

Let me know if you have any question.

Blue from American Express

Editorial Note: Opinions expressed here are the author’s alone and have not been reviewed or endorsed by any company or third party unless clearly stated otherwise.

This is the most basic card that earns Amex Membership Reward (MR). This card earns 1 MR per dollar spend so it’s not the best but it is useful to keep your MR account active. Most of the higher earning rate of MR cards have an annual fee such as the Premier Rewards Gold ($0 first year, $195 annual fee starting the 2nd year) or the Platinum ($550 annual fee).

You can view the Terms here:

Blue_From_American_Express_AECB_12-31-2016

This card comes with many standards Amex Benefits such as:

  • Amex Offers.
  • No fee for additional authorized users.
  • Return Protection: Return Protection can refund you for eligible purchase(s) charged entirely on an eligible American Express® Card. Coverage is limited to 90 days from purchase, up to $300 per item and up to a maximum of $1,000 per Card Member account per calendar year based on the date of purchase.
  • Free ShopRunner membership.
  • Car Rental Loss and Damage Insurance: This is Secondary to your Primary Card Insurance. So it may not be useful in most cases.
  • Extended Warranty: Amex extends manufacturers warranty up to 1 year. For example, if a product you purchase has a one year warranty, Amex will give you 1 more year so the total will be 2 years.
  • Purchase Protection: Up to $1000 per occurrence and $50,000 per cardholder per year. See more here.
  • Here is a FAQ section for Purchase Protection if you need it.

Recommendation:

  • Sign up for this card if you want to maintain your Amex Membership Rewards account.
  • Good for additional Amex Offers.
  • Good to build your credit score.

Let me know if you have any question.