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Honors™ Surpass® Card from American Express Is No Longer Available through this Site.
These offers have expired.
In a few hours the biggest Hilton Amex co-branded credit card sign-up bonuses I’ve ever seen will be gone. Hopefully we see them at these levels again at some point, but I have no idea. Not one to just hope for a second chance down the road, my mom decided to pull the trigger just under the wire this morning on one of the HHonors cards. We waited until the last minute to apply both because we’ve been super busy, and also because they are just finishing up a spending promo for another card so we wanted to space them out.
Deciding Which Hilton Card to Apply For:
HILTON HONORS CARD OFFERS REFERENCED BELOW ARE NO LONGER AVAILABLE.
Perhaps surprisingly, in her case we decided that the Hilton HHonors™ Card with the sign-up bonus points after spending $1,000 and no annual fee was the better play over the Hilton HHonors™ Surpass® Card with the larger point bonus after spending $3,000 and $75 annual fee. I’ll be honest, it would be hard for me to personally ignore a bonus point option, but I’m confident we made the right call for her situation.
|Card Type||Annual Fee||Sign-Up Bonus||Elite Status|
|Hilton HHonors Surpass Amex||$75||HHonors Gold|
|Hilton HHonors Amex||$0||HHonors Silver|
My mom doesn’t have a specific redemption in mind for these HHonors points, though she has a general idea how the points will be useful as they are fans of the Hampton Inn chain. Their retirement income is relatively fixed so avoiding annual fees and larger spending requirements is generally a good thing. She won’t likely be putting huge amounts of charges on the cards so the higher bonus categories on the Surpass card won’t make a big difference. Also since they don’t have a specific use in mind, the Gold status that would come with the Surpass card probably isn’t particularly useful over the Silver status with the no annual fee card.
What pushed the scales to the Hilton Amex was that it is seemingly common for people to be given offers from Amex to simply upgrade their no-annual-fee Hilton Amex to the Surpass Amex with the associated bonus points, so that could be an easy path for her to take in the future if she wants more Hilton bonus points and higher Hilton elite status.
For now the no annual fee and lower spending requirement that come with the Hilton Amex are the perfect fit…and she got instant approval. Go, Mom!
Anyone else just squeak in under the wire or also decide the no annual fee version was right for them?
Editorial Note: The opinions expressed here are mine and not provided, reviewed, by any bank, card issuer, or other company unless otherwise stated.