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American Express Hilton Honors Surpass Guide

📊3 community entries

Walmart Neighborhood Market

USA

Grocery

Date

2026-04-20

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

12.55 USD6.22X

Rewards

78 Hilton Honors Points

Weee

USA

Grocery

Date

2025-12-15

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD6X

Rewards

600 Hilton Honors Points

Yamibuy

USA

Supermarket

Date

2025-01-16

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.yamibuy.com

Reward Details

Amount

Earning Rate

50 USD6X

Rewards

300 Hilton Honors Points

Quick Rewards Guide for American Express Hilton Honors Surpass

💡 Primary Spending Category: The community most frequently reports using the American Express Hilton Honors Surpass for "Grocery" transactions as well as for "Supermarket".

🚀 Top Earning Rate: Verified community purchases show this card earning up to 6.22X Membership Rewards points on high-reward category transactions.

🛒 Verified Merchants: Swipe Smart users have successfully logged card data points at popular stores including Walmart Neighborhood Market, Weee, Yamibuy. Checking merchant coding prior to shopping ensures you trigger top tier category multipliers.

Frequently Asked Questions

Q:What are the best categories to use the Hilton Honors Surpass for?

Based on verified community transactions, the American Express Hilton Honors Surpass yields the best return when used for "Grocery" transactions, followed closely by "Supermarket".

Q:How do I ensure I get maximum points or cash back with this card?

Credit card rewards depend on the store’s Merchant Category Code (MCC). Always check Swipe Smart before purchase to verify how the retailer is registered (e.g. as groceries, dining, or travel) to ensure the transaction triggers the card’s multiplier categories.

Q:Does payment method (like Apple Pay or PayPal) affect the coding?

Yes. Paying through digital wallets like Apple Pay usually preserves the merchant's original category code. However, payment processors like PayPal or third-party delivery apps (e.g., Instacart, UberEats) may alter the merchant category code, sometimes overriding your card's standard multipliers.