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Quote:

Originally Posted by sdsearch (Post 19514924)

I thus don't see the point of choosing the upgrade to Surpass unless you're "maxed out" over at Citi.

Minimal impact on credit file (no new lines of credit, change to average age, not sure if you get an inquiry) is one reason. The spend is not a big concern to me if I do it during the lull between a batch of apps, and yet after my last round. I plan to slow down the frequency/amount after this year's gorging. But, fair point.

Quote:

Originally Posted by sdsearch (Post 19514924)

I just did (for the umpteenth time). It's $3000 spend within 3 months to get the extra 50k.

And guess what I could with that same $3000 spend? Get 100k instead of 50k! By applying instead for 2 Citi HHonors Visa cards:

http://www.flyertalk.com/forum/miles...nors-visa.html

and spending $1500 on each (within 4 months).

I thus don't see the point of choosing the upgrade to Surpass unless you're "maxed out" over at Citi.

(Even if you only want 50k, $1500 spend in 4 month on the Citi Visa seems a lot easier for many people than $3000 spend in 3 months on the Amex. Especially if you have to do some spend during that time at places that only take Visa/MC.)

I was just trying to think of more ways to get Hilton points. I can do the 2 Citi every 6 months and every two years, do the AMEX.