Hilton Honors American Express Surpass® Card Agreement

Account & Service Control · Company practice

Credit Limit and Cash Advance Limit can be raised or cut at any time, even if you pay on time

American Express assigns a Credit Limit to the Account and may make part of it available for cash advances (the Cash Advance Limit). There may also be a limit on how much you can withdraw from ATMs in a given period. The limits are shown on page 1 of Part 1 and on each billing statement. American Express may increase or reduce the Credit Limit and Cash Advance Limit, even if you pay on time and the Account is not in default. You agree to manage the Account so that the Account balance (including fees and interest) is not more than the Credit Limit, and the cash advance balance (including fees and interest) is not more than the Cash Advance Limit.

Supporting quotations

Credit limit and Cash Advance Limit: We assign a Credit Limit to your Account. We may make part of your Credit Limit available for cash advances (Cash Advance Limit). There may also be a limit on the amount you can withdraw from ATMs in a given period.

The Credit Limit and Cash Advance Limit are shown on page 1 of Part 1 and on each billing statement. We may increase or reduce your Credit Limit and Cash Advance Limit. We may do so even if you pay on time and your Account is not in default. You agree to manage your Account so that:

your Account balance (including fees and interest) is not more than your Credit Limit, and

your cash advance balance (including fees and interest) is not more than your Cash Advance Limit

Qualifications & exceptions

• The change right is stated without a condition: it applies "even if you pay on time and your Account is not in default".
• Fees and interest count toward the balances measured against both limits.

Not stated here

• The amounts of the Credit Limit, Cash Advance Limit and any ATM withdrawal limit are not stated in this published copy; they are said to appear on page 1 of Part 1 and on billing statements.

Account & Service Control · Company commitment

Eligible purchases earn 3 Hilton Honors Bonus Points per dollar, excluding fees, interest and cash advances

You receive 3 Hilton Honors Bonus Points (Points) for each dollar of eligible purchases on the Hilton Honors American Express Surpass Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do not include fees or interest charges, cash advances, purchases of traveler's checks, purchases or reloading of prepaid cards, purchases of any cash equivalents, including gift cards, or person-to-person transactions.

Supporting quotations

How you receive Points: You receive 3 Hilton Honors Bonus Points (Points) for each dollar of eligible purchases on your Hilton Honors American Express Surpass® Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits.

Eligible purchases do NOT include fees or interest charges, cash advances, purchases of traveler's checks, purchases or reloading of prepaid cards, purchases of any cash equivalents, including gift cards, or person-to-person transactions.

Qualifications & exceptions

• Returns and other credits reduce the eligible purchase amount.
• The exclusions are listed in the text and include gift cards as cash equivalents.

Not stated here

• The Points are described as Hilton Honors Bonus Points; their value or redemption options are governed by Hilton's separate terms, which were not supplied.

Account & Service Control · Company commitment

Purchases charged directly with a Hilton portfolio property earn 12 Points per dollar in total

You receive 9 additional Points (a total of 12) for each dollar of eligible purchases on the Card Account that are charged directly with a property within the Hilton portfolio.

Supporting quotations

How you receive additional Points: You receive 9 additional Points (a total of 12) for each dollar of eligible purchases on your Card Account charged directly with a property within the Hilton portfolio.

Qualifications & exceptions

• The higher rate applies to eligible purchases charged directly with a property within the Hilton portfolio; the passage does not say how purchases made through third parties are treated, and the merchant-code section later says purchases made through third parties may not earn additional Points.

Not stated here

• The document does not list which properties or brands make up the Hilton portfolio.

Account & Service Control · Company commitment

Eligible U.S. restaurant, supermarket and gas station purchases earn 6 Points per dollar in total

You receive 3 additional Points (a total of 6) for each dollar of eligible purchases on the Card Account at restaurants located in the U.S., at supermarkets located in the U.S., and on gasoline at gas stations located in the U.S. Superstores and warehouse clubs are not considered supermarkets, and superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations.

Supporting quotations

You receive 3 additional Points (a total of 6) for each dollar of eligible purchases on your Card Account: at restaurants located in the U.S., at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets), and on gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations).

Qualifications & exceptions

• Each category is limited to U.S. locations.
• Gasoline counts only at gas stations; superstores, supermarkets and warehouse clubs that sell gasoline do not qualify as gas stations.

Cross-references

• qualified by (model-proposed): Additional Points depend on merchant codes, and some third-party or wallet purchases may not earn them — Whether a purchase earns the additional Points in a category depends on the merchant code assigned, and some third-party and wallet purchases may not earn additional Points, which qualifies the category rates.

Account & Service Control · Company commitment

Eligible U.S. online retail purchases earn 4 Points per dollar in total, with listed categories excluded from retail

You receive 1 additional Point (a total of 4) for each dollar of eligible U.S. online retail purchases on the Card Account. Purchases made at restaurants, supermarkets, gasoline stations, or automotive dealers, as well as purchases of travel, entertainment, or other services, are not considered retail purchases.

Supporting quotations

You receive 1 additional Point (a total of 4) for each dollar of eligible U.S. online retail purchases on your Card Account (purchases made at restaurants, supermarkets, gasoline stations, or automotive dealers, as well as purchases of travel, entertainment, or other services are not considered retail purchases).

Qualifications & exceptions

• The category is limited to U.S. online retail purchases.
• Restaurants, supermarkets and gas stations have their own rate in the previous packet; travel, entertainment, other services and automotive dealers are stated not to count as retail.

Not stated here

• The document does not say how a purchase is treated when it could fit both the online retail category and a Hilton property or other category.

Account & Service Control · Restriction or exception

Additional Points depend on merchant codes, and some third-party or wallet purchases may not earn them

Merchants are assigned codes based on what they primarily sell, and American Express groups certain merchant codes into categories eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points if American Express receives inaccurate information or is otherwise unable to identify your purchase as eligible for a reward category. The text gives examples: a merchant uses a third party to sell its products or services; a merchant uses a third party to process or submit your transaction (for example, using mobile or wireless card readers); or you make a purchase using a third-party payment account or a mobile or digital wallet.

Supporting quotations

Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category.

You may not receive additional Points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional Points when: a merchant uses a third-party to sell their products or services; or a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or you choose to make a purchase using a third-party payment account or make a purchase using a mobile or digital wallet.

Qualifications & exceptions

• The wording is "may not receive additional Points", so the examples are circumstances in which additional Points may be lost, not guaranteed outcomes.
• This qualifies the category rates in the earning cards: the category depends on the merchant code assigned, not on what you bought.

Not stated here

• The document does not list the merchant codes in each category.

Cross-references

• qualifies (model-proposed): Eligible U.S. restaurant, supermarket and gas station purchases earn 6 Points per dollar in total — Whether a purchase earns the additional Points in a category depends on the merchant code assigned, and some third-party and wallet purchases may not earn additional Points, which qualifies the category rates.

Account & Service Control · Procedure

Rewards questions go to the number on the Card; more rewards and benefit details are on linked pages not supplied

For questions about additional Points on a purchase, you can call the number on the back of the Card. The text refers readers to americanexpress.com/rewards-info for more information about rewards, and to go.amex/V5C663 for detailed information about Card benefits.

Supporting quotations

For questions about additional Points on a purchase, call the number on the back of your Card. Please visit americanexpress.com/rewards-info for more information about rewards.

Additional Details: For detailed information about Card benefits please visit go.amex/V5C663.

Qualifications & exceptions

• The linked pages are outside this document.

Not stated here

• What the americanexpress.com/rewards-info page and the go.amex/V5C663 page say was not supplied and is not described here.

Account & Service Control · Permission or license

Promotional bonus Points offers carry their own terms, which may differ from the standard terms

From time to time American Express may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them, and those offer terms may differ from the terms above on Points earned for eligible purchases on the Card Account, including about when you can use the Points.

Supporting quotations

From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points.

Qualifications & exceptions

• Offers are discretionary ("may make"); the offer's own terms control the points it covers.

Not stated here

• The terms of any particular promotional offer are not part of this document.

Account & Service Control · User right or choice

You can view your Points balance in your online account summary

You can view your Points balance by logging onto your online account at americanexpress.com and viewing your account summary page.

Supporting quotations

You can view your Points balance by logging onto your online account at americanexpress.com and viewing your account summary page.

Account & Service Control · Company practice

Points transfer to your Hilton Honors account after each billing period and can take up to 12 weeks to post

American Express transfers the Points you receive to your Hilton Honors program account after the end of the billing period in which you received them. Hilton Honors Points received from the Card will be posted to your Hilton Honors account up to 12 weeks after the end of your billing cycle. Your account must not be cancelled or delinquent at the time of fulfillment. Your Hilton Honors Points are subject to the Hilton Honors Terms and Conditions at HiltonHonors.com/terms.

Supporting quotations

When we transfer Points: We transfer the Points you receive to your Hilton Honors program account after the end of the billing period in which you received them.

Hilton Honors Points received from your Card will be posted to your Hilton Honors account up to 12 weeks after the end of your billing cycle. Your account must not be cancelled or delinquent at the time of fulfillment. Your Hilton Honors Points are subject to Hilton Honors Terms and Conditions, see HiltonHonors.com/terms.

Qualifications & exceptions

• Transfer depends on the Card Account not being cancelled or delinquent at fulfillment.
• Once transferred, the Points are governed by the Hilton Honors Terms and Conditions.

Not stated here

• The Hilton Honors Terms and Conditions are linked but were not supplied, so their rules for the Points are not described.
• "Delinquent" is not defined in this passage.

Account & Service Control · Restriction or exception

Missing the Minimum Payment Due by the due date forfeits that billing period's Points; reinstatement costs $35

If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you forfeit the Points you earned for eligible purchases during that billing period. The text gives an example: if the billing period closes January 15 and the minimum payment for that billing period is due February 10, and you do not make that minimum payment by February 10, you will not earn Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee.

Supporting quotations

When you will forfeit Points: If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the Points you earned for eligible purchases during that billing period.

For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn Points for purchases in the billing period ending February 15.

You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee.

Qualifications & exceptions

• Reinstatement requires that the Card Account is not past due, that you do so within the next 12 billing periods, and that you pay a $35 fee.
• The example places the forfeiture on the billing period that contains the missed due date, not on the period that closed on January 15.

Not stated here

• The rule sentence refers to "that billing period" and could be read as either the period for which the minimum payment is due or the one in which the due date falls; the example resolves it to the billing period ending February 15 and the document does not say more.

Account & Service Control · Restriction or exception

Points are earned only on eligible purchases intended for personal, family or household use

You will receive Points only for eligible purchases intended for personal, family or household use.

Supporting quotations

Other things you should know about this program: You will receive Points only for eligible purchases intended for personal, family or household use.

Qualifications & exceptions

• Part 2 separately says you agree to use the Card for personal, family, or household purposes only.

Account & Service Control · Restriction or exception

Each Basic Card Member needs a unique Hilton Honors account, or American Express may cancel the Card Account

Each Basic Card Member must have a unique Hilton Honors loyalty account. American Express may cancel the Card Account if you do not maintain an active Hilton Honors loyalty account.

Supporting quotations

Each Basic Card Member must have a unique Hilton Honors loyalty account. American Express may cancel your Card Account if you do not maintain an active Hilton Honors loyalty account.

Qualifications & exceptions

• Cancellation is stated as something American Express "may" do.

Not stated here

• The document does not say what makes a Hilton Honors loyalty account "active".

Account & Service Control · Permission or license

American Express may change the rewards terms at its discretion, and violation or abuse may forfeit Points

American Express may change the terms of this program at its discretion. If you violate or abuse the program, you may forfeit some or all of your Points.

Supporting quotations

We may change the terms of this program at our discretion. If you violate or abuse this program, you may forfeit some or all of your Points.

Qualifications & exceptions

• Both statements are discretionary ("may").

Not stated here

• The document does not define what counts as violating or abusing the program.

Account & Service Control · Restriction or exception

The Card is for personal, family or household use; plans, cash advances and transfers are discretionary

You may use the Card to make charges. At American Express's discretion, it may permit you to create plans, make cash advances or balance transfers. You cannot transfer balances from any other account issued by American Express or its affiliates. You agree to use the Card for personal, family, or household purposes only.

Supporting quotations

Using the Card: You may use the Card to make charges. At our discretion, we may permit you to create plans, make cash advances or balance transfers. You cannot transfer balances from any other account issued by us or our affiliates. You agree to use the Card for personal, family, or household purposes only.

Qualifications & exceptions

• Plans, cash advances and balance transfers are available only if American Express permits them.
• The personal, family or household restriction is something you agree to.

Account & Service Control · Permission or license

American Express may decline a charge for various reasons and is not responsible for losses if it does

American Express may decline to authorize a charge for various reasons, including if it suspects fraud or based on its assessment of your creditworthiness, even if the charge would not cause you to go over your Credit Limit and even if the Account is not in default. It is not responsible for any losses you incur if it does not authorize a charge or if any merchant refuses to accept the Card.

Supporting quotations

Declined transactions: We may decline to authorize a charge for various reasons, including if we suspect fraud or based on our assessment of your creditworthiness, even if the charge would not cause you to go over your Credit Limit and even if your Account is not in default. We are not responsible for any losses you incur if we do not authorize a charge or if any merchant refuses to accept the Card.

Qualifications & exceptions

• The reasons listed are examples ("including"); the passage does not limit declines to them.

Account & Service Control · Restriction or exception

Plan eligibility depends on creditworthiness and account status, and plan balances count toward the Credit Limit

Your ability to create plans is based on factors such as your creditworthiness and your Credit Limit. You cannot create plans if the Account is cancelled, or if one or more of your American Express accounts is enrolled in a payment program, has a payment that is returned unpaid, or is past due. American Express tells you the number of active plans you may have and may change that number at any time. The plan durations offered, and whether you can include multiple qualifying purchases or a qualifying amount in one plan, are at its discretion and based on factors such as your creditworthiness, the purchase amount(s), and your Account history. You agree to manage the Account so that the total of your plan balances (including plan fees) is not more than your Credit Limit.

Supporting quotations

Your ability to create plans will be based on a variety of factors such as your creditworthiness and your Credit Limit. You will not be able to create plans if your Account is cancelled. You will also not be able to create plans if one or more of your American Express accounts is enrolled in a payment program, or has a payment that is returned unpaid, or is past due.

We will tell you the number of active plans you may have and we may change this number at any time. The plan durations offered to you, and your ability to include multiple qualifying purchases or a qualifying amount in a single plan, will be at our discretion and will be based on a variety of factors such as your creditworthiness, the purchase amount(s), and your Account history.

You agree to manage your Account so that the total of your plan balances (including plan fees) is not more than your Credit Limit.

Qualifications & exceptions

• The status conditions (enrolled in a payment program, payment returned unpaid, or past due) apply to one or more of your American Express accounts, not only this Account.
• American Express may change the number of active plans you may have at any time.

Not stated here

• The document does not define "payment program" or say how many active plans a Card Member may have.

Account & Service Control · Permission or license

Additional Cards can be issued at your request; their use is under the Agreement and may be reported to credit bureaus

American Express may issue additional Cards on the Account at your request. Additional Card Members can use the Account subject to the terms of the Agreement, and American Express may report their use of the Account to credit reporting agencies. If an Annual Fee applies to Additional Cards on the Account, it is shown on page 2 of Part 1 of the Agreement.

Supporting quotations

Additional Card Members: We may issue additional Cards on your Account at your request. Additional Card Members can use your Account subject to the terms of this Agreement and we may report their use of your Account to credit reporting agencies. If an Annual Fee applies to Additional Cards on your Account, it is shown on page 2 of Part 1 of this Agreement.

Qualifications & exceptions

• Part 1 of this published agreement lists the Annual Fee for Additional Cards as None.

Account & Service Control · Restriction or exception

You are responsible for all use by Additional Card Members and anyone they allow, and authorize sharing with them

You are responsible for all use of the Account by Additional Card Members and anyone they allow to use the Account, and you must pay for all charges made. You also authorize American Express to give Additional Card Members information about your Account and to discuss it with them. You can contact American Express if you want to cancel an Additional Card Member's ability to use the Account. If an Annual Fee applies for an Additional Card, the refund policy disclosed in the Closing or suspending your Account sub-section of Part 3 applies; if a single Annual Fee applies for a group of Additional Cards, that policy applies when you cancel the Additional Card on which the fee was assessed.

Supporting quotations

You are responsible for all use of your Account by Additional Card Members and anyone they allow to use your Account and you must pay for all charges made. You also authorize us to give Additional Card Members information about your Account and to discuss it with them.

Contact us if you want to cancel an Additional Card Member's ability to use your Account. If an Annual Fee applies for an Additional Card, please refer to the refund policy disclosed in the Closing or suspending your Account sub-section of Part 3 of this Agreement. If a single Annual Fee applies for a group of Additional Cards on your Account, this policy will apply when you cancel the Additional Card on which the fee was assessed.

Qualifications & exceptions

• Responsibility extends to anyone an Additional Card Member allows to use the Account.

Account & Service Control · Permission or license

American Express may add, modify or remove any Account benefit, feature or service at its discretion

American Express has the right to add, modify or remove any benefit, feature or service included with or related to the Account at its discretion.

Supporting quotations

Changing benefits: We have the right to add, modify or remove any benefit, feature or service included with or related to your Account at our discretion.

Qualifications & exceptions

• The right is stated as discretionary and without a notice requirement in this passage.

Not stated here

• The passage does not say how you would be told of a change.

Account & Service Control · Company practice

Notices go by U.S. mail, courier or electronically and count as given when mailed or delivered electronically

American Express sends notices by U.S. mail, courier, or electronically using the information in its records. It considers a notice given when it mails it or delivers it electronically.

Supporting quotations

Sending you notices: We send notices by U.S. mail, courier, or electronically using the information in our records. We consider a notice given when we mail it or deliver it electronically.

Qualifications & exceptions

• A notice counts as given when sent, not when you receive it.

Account & Service Control · Restriction or exception

You must tell American Express right away if your address, email or phone changes, and may need to do so per Account

You must notify American Express immediately if you change your mailing address, email address, or telephone number. If you have more than one Account, you need to notify it separately for each Account. It may update your billing address if it receives information that the address has changed or is incorrect.

Supporting quotations

Changing your contact information: You must notify us immediately if you change your mailing address, email address, or telephone number. If you have more than one Account, you need to notify us separately for each Account. We may update your billing address if we receive information that it has changed or is incorrect.

Account & Service Control · Restriction or exception

American Express may treat the Account as in default for a violation, false information, bankruptcy or payment doubts

American Express may consider the Account to be in default if you violate a provision of the Agreement, give false information, file for bankruptcy, default under another agreement you have with it or an affiliate, or if it believes you are unable or unwilling to pay your debts when due.

Supporting quotations

Default: We may consider your Account to be in default if:

you violate a provision of this Agreement,

you give us false information,

you file for bankruptcy,

you default under another agreement you have with us or an affiliate, or

we believe you are unable or unwilling to pay your debts when due.

Qualifications & exceptions

• Each trigger is stated as a circumstance in which American Express "may consider" the Account in default; the last one rests on American Express's belief.

Not stated here

• The list does not say whether you receive notice or a chance to cure before the Account is considered in default.
• Other agreements you have with American Express or an affiliate, which the default trigger refers to, are linked only by that description; their text is not supplied here, so this card cannot say which of their terms could cause a default.

Account & Service Control · Permission or license

After default, incapacity or death, American Express may suspend charges and demand the balance immediately

If American Express considers the Account in default, or if you become incapacitated or die, it may, to the extent permitted by federal and applicable state law, suspend your ability to make charges, cancel or suspend any feature on the Account, require you to pay more than the Minimum Payment Due immediately, and require you to pay the Account balance immediately.

Supporting quotations

If we consider your Account in default, or if you become incapacitated or die, we may, to the extent permitted by federal and applicable state law:

suspend your ability to make charges,

cancel or suspend any feature on your Account,

require you to pay more than your Minimum Payment Due immediately, and

require you to pay your Account balance immediately.

Qualifications & exceptions

• The remedies are available "to the extent permitted by federal and applicable state law".

Account & Service Control · Permission or license

American Express may cancel or suspend the Account or features at any time for any reason, and you still owe all charges

American Express may, at any time and for any reason, cancel the Account, suspend your ability to make charges, or cancel or suspend any feature on the Account. If it does any of these, you must still pay for all charges under the terms of the Agreement. If it later agrees to reinstate the Account, it may reinstate any additional Cards issued on the Account and charge you any applicable annual fees and a fee to reinstate the Account.

Supporting quotations

Closing or suspending your Account: We may, at any time and for any reason: cancel your Account, suspend your ability to make charges, cancel or suspend any feature on your Account. If we do any of these, you must still pay us for all charges under the terms of this Agreement.

If we later agree to reinstate your Account, we may reinstate any additional Cards issued on your Account and charge you any applicable annual fees and a fee to reinstate the Account.

Qualifications & exceptions

• The right is stated without a required reason or advance notice.

Not stated here

• The passage does not state the amount of the reinstatement fee; the fees list in Part 1 gives $25 for Account Re-opening.

Account & Service Control · User right or choice

You can close the Account by calling or writing; the Annual Fee is refunded only if you close within 30 days

You may close the Account by calling or writing to American Express. If an Annual Fee applies, it will refund the fee if you notify it that you are voluntarily closing the Account within 30 days after the Closing Date of the billing statement on which the fee appears. For cancellations after that 30-day period, the Annual Fee is non-refundable. If your billing address is in the Commonwealth of Massachusetts at the time you close the Account, this policy does not apply to you. If the Account is cancelled and American Express re-opens it at your request, it may charge a $25 fee.

Supporting quotations

You may close your Account by calling us or writing to us. If an Annual Fee applies, we will refund this fee if you notify us that you are voluntarily closing your Account within 30 days after the Closing Date of the billing statement on which that fee appears. For cancellations after this 30-day period, the Annual Fee is non-refundable.

If your billing address is in the Commonwealth of Massachusetts at the time you close your Account, this policy will not apply to you.

If your account is cancelled and we re-open it at your request, we may charge you a $25 fee.

Qualifications & exceptions

• The refund depends on voluntary closure and notice within 30 days after the Closing Date of the statement on which the fee appears.
• The Massachusetts billing address exception removes this refund policy for those Card Members.
• The $25 re-opening fee is worded here as something American Express "may charge"; the Part 1 fees list states $25 under stated conditions.

Not stated here

• For Massachusetts billing addresses the passage says the policy does not apply, but this passage does not say what applies instead.