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38

Hilton Honors American Express Surpass® Card

American Express National Bank

Top-25 issuerNationalVariable · PrimeCredit score 720+
Issuer site ↗
Purchase APR
19.49–29.24%
Annual fee
$150
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
29.24%
≤619
—
620–719
29.24%
720+
26.74%
Lowest offered19.49%
Median26.99%
Highest offered29.24%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered28.74%
Median29.24%
Highest offered29.49%

Every fee on this card

Annual fee$150
Balance transfer feeNone
Cash advance fee5% (min $10)
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$29
Repeat late fee (6 mo)$40
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment$29
Plan FeeA monthly fee up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.

Rewards, benefits and features

Rewards
  • Travel-related rewards
Services
  • Access to Free Credit Scores
  • Automobile rental insurance
  • Discounts on purchases of goods and services (non travel related)
  • Extension on manufacturer’s warranty
  • Other
Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Phone1-888-297-1244
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 26.99%$809.70
Annual / periodic fees$150
Total yearly cost$959.70

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

25 documents filed by American Express National Bank in the 2026 Q1 archive.

All 25 agreements

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