💳 American Express · Amex
Travel Benefits Guide 2026
Here's exactly what you get — and what you don't — when you use the Hilton Honors American Express Surpass® Card for travel.
Network: Priority Pass Select (1,300+ airport lounges worldwide)
Complimentary Priority Pass Select membership (enrollment required). Complimentary access for cardholder; guests charged standard Priority Pass fee (~$32/person). Note: As of early 2023, Amex removed complimentary Priority Pass from the Surpass — verify current terms as benefits can change.
No Global Entry or TSA PreCheck credit on this card.
If your trip is delayed by 6+ hours, you're covered for up to $500/person in expenses.
Covers: meals, lodging, toiletries, medication, other personal use items
Up to $500 per covered trip. Delay must be 6+ hours or require overnight stay. Maximum 2 claims per 12-month period.
Must book travel with this card. Keep all receipts for reimbursement.
Reimburses up to $10,000/person (max $20,000/trip) if you must cancel or cut short your trip.
Covered reasons: illness (medically inadvisable per physician), severe weather, jury duty, change in military orders
Maximum $10,000 per covered trip, $20,000 per eligible card account per 12 consecutive months.
Lost/stolen/damaged baggage: Up to $3,000/person
Checked bags: up to $2,000 | Carry-on: up to $3,000
High-risk items (jewelry, electronics) capped at $1,000 per person per trip.
Baggage delay coverage: not included.
✅ Emergency evacuation coordination covered (transportation costs covered).
Global Assist Hotline: 24/7 assistance coordination including medical evacuation referrals. Actual transport costs are cardholder's responsibility.
Secondary coverage — you must file with your personal auto insurance first, then this card covers the remainder.
Coverage amount: Up to $75,000
Covers: collision damage, theft
Excludes: liability, personal injury
Eligible countries: Worldwide except Australia, Italy, New Zealand, and OFAC-sanctioned countries.
Secondary car rental coverage — file with personal auto insurance first. Up to 30 consecutive days.
✅ No foreign transaction fees — use this card internationally without paying an extra 2–3% on every purchase.
Hilton loyalists who want complimentary Gold status, Priority Pass lounge access, and strong hotel earning rates for a mid-tier annual fee
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