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American Express Announces Two New Hilton Credit Cards

American Express Announces Two New Hilton Credit Cards

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Old Jun 14, 18, 6:23 am   -   Wikipost
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The resort benefit on the Aspire card only works at the ~200 hotels on the list at this link:
http://www3.hilton.com/en/resorts/index.html#
For existing Surpass card holders, AMEX verbally confirmed that on or after 20 January 2018, card holders can call in and request cards be converted to Aspire - while maintaining the same credit card number, balance limits, PIN, etc.

For the Aspire card, the Annual Weekend Night Reward will be issued in the form of a redeemable code and sent in an email from Hilton Honors to the email address listed on your Hilton Honors account. You will receive the reward email within 8-14 weeks after opening your Card Account and each year within 8-14 weeks after your Card Account anniversary date. E-mail for Hilton providing the free night certificate has been received by several people..

HonorsRepresentative (Lauren) has provided answers in the following posts to some of the questions that have been raised in this thread:

https://www.flyertalk.com/forum/29118905-post491.html
https://www.flyertalk.com/forum/29082769-post468.html
https://www.flyertalk.com/forum/29068815-post452.html
https://www.flyertalk.com/forum/29068259-post449.html
https://www.flyertalk.com/forum/29064439-post446.html
https://www.flyertalk.com/forum/29037200-post430.html
https://www.flyertalk.com/forum/29032382-post420.html
https://www.flyertalk.com/forum/29027525-post401.html
https://www.flyertalk.com/forum/29014945-post312.html
https://www.flyertalk.com/forum/29009198-post227.html
https://www.flyertalk.com/forum/29005693-post161.html
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Old Jul 30, 18, 5:00 pm
  #1426  
 
Join Date: Apr 2013
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the other poster wanted the aspire and did not have an upgrade offer for it. In your case, you would have to decide whether 25,000 points is worth the additional credit check and new account on your credit bureau if you just apply, rather than taking the upgrade.
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Old Jul 30, 18, 6:34 pm
  #1427  
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Originally Posted by flew-d-coop View Post
How does this work work if starting with free personal version? I currently have a 75k upgrade offer (free -> Ascend) and there is a 100k offer for new Ascend applications?
Originally Posted by farnorthtrader View Post
the other poster wanted the aspire and did not have an upgrade offer for it. In your case, you would have to decide whether 25,000 points is worth the additional credit check and new account on your credit bureau if you just apply, rather than taking the upgrade.
Other differences may include:

Upgrades usually have no lifetime language, but applications-from-scratch usually do.

IIRC, the 75k upgrade used to require less spend than the 100k from-scratch application. Double check if that's still correct that if it matters to you.
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Old Jul 30, 18, 7:30 pm
  #1428  
 
Join Date: Apr 2011
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Originally Posted by sdsearch View Post
Other differences may include:

Upgrades usually have no lifetime language, but applications-from-scratch usually do.
The Aspire already has language about 1 lifetime upgrade specifically with respect to a free initial weekend night cert on upgrade.
"and you are only able to receive this benefit with an upgrade to the Hilton Honors Aspire Card one time"

You're right that it wouldn't be that surprising if they start applying it for the points too. They already have vague language in the terms saying they can deny the bonus points at their sole discretion.

In the past 12 months, I ended up with 100k points+1night (on renewal in a few months) from the surpass late last year that was converted to an ascend. A citi reserve that was converted to an ascend that they gave me a retention of 20k points for 5k spend and I'll get 2 nights for 15k total spend. And 100k points from a new aspire.

I already had more Hilton points than I knew what to do with before the Amex Hilton cards -- but I had been saving for the better redemption values which have since disappeared so I will burn points any vacations now.

It would be awesome if they sent me upgrade offers on the ascend(s), I'd bump them to Aspire for 13 months.
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Old Jul 30, 18, 9:00 pm
  #1429  
 
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I'm holding out for this, at least for a few more months.

Originally Posted by B3nder View Post
It would be awesome if they sent me upgrade offers on the ascend(s), I'd bump them to Aspire for 13 months.
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Old Jul 31, 18, 7:54 am
  #1430  
 
Join Date: Jul 2011
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Originally Posted by farnorthtrader View Post
the other poster wanted the aspire and did not have an upgrade offer for it. In your case, you would have to decide whether 25,000 points is worth the additional credit check and new account on your credit bureau if you just apply, rather than taking the upgrade.
Good point, I think the upgrade alone would suffice. Thanks...
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Old Jul 31, 18, 3:09 pm
  #1431  
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Originally Posted by B3nder View Post
It would be awesome if they sent me upgrade offers on the ascend(s), I'd bump them to Aspire for 13 months.
Why only for 13 months? Aspire can easily have a lower "effective" annual fee than Ascend. Aspire gives you a free weekend night annually, Ascend doesn't. Aspire gives you up to $250 airline credit (similar rules for what counts as for Amex PRG/Plat cards), Ascend doesn't. Aspire gives you up to $250 resort credit, Ascend doesn't. For example, if you get the $250 airline credit (say, with 2x$100 + 1x$50 AA e-gift cards) and your free weekend hotel cert gets you a hotel over $105 (including taxes), you've paid less than $450-$250-$105=$95, which is the AF on the Ascend. With a hotel night over $305 (including taxes), just the free weekend hotel night cert would do it by itself! Or stay 2 nights (including at least one on a weekend) at a hotel on the Hilton resort list where the room rate (with taxes) is a bit over $250, and you've saved about $500 ($250 resort credit plus free weekend night cert), which is more than the $450 annual fee.

(I've had cards from Chase that give an annual free night cert of some sort for many years, and I've always gotten more value out of those than the AF on those cards, so I'm used to the concept of "net negative" AF being possible on hotel cards.)

So I don't see the point for most travelers in downgrading from Aspire to Ascend.
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Old Jul 31, 18, 4:08 pm
  #1432  
 
Join Date: Apr 2011
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Originally Posted by sdsearch View Post
Why only for 13 months? Aspire can easily have a lower "effective" annual fee than Ascend. Aspire gives you a free weekend night annually, Ascend doesn't. Aspire gives you up to $250 airline credit (similar rules for what counts as for Amex PRG/Plat cards), Ascend doesn't. Aspire gives you up to $250 resort credit, Ascend doesn't. For example, if you get the $250 airline credit (say, with 2x$100 + 1x$50 AA e-gift cards), the $250 hilton credit, and your free weekend hotel cert gets you a hotel over $105 (including taxes), you've paid less than $450-$250-$250-$105=-$155, which is the AF on the Ascend.
because I'm talking about a 2nd and 3rd aspire. I fully plan to keep the aspire I already have indefinitely, unless they change benefits. 3 cards would be a lot of credits to juggle as well as a lot of fees to risk on changing future card terms. The airline credit, for example is not guaranteed to remain as easy to redeem or to support the current list of airlines (I did $250 all at once no problem.). Even currently, I don't value the airline or hotel credit at 100%. Airline is worth around $220 max to me (10% off gift cards with cashback on purchase are readily available, and I have over $6k worth of chase UR points that I would be using for a long time anyways before actually paying for airfare). If the Hilton credit was straight "any Hilton", then I'd value it at around $225 due to having tons of Hilton points to use. But the limited list makes it worth a bit less, too, and they could shrink that list further or add stipulations in the future. I'd consider the airline and hotel credit basically a wash with the annual fee, but I'd get an extra free weekend night each card. The bigger risk is they mess something up because maybe they didn't program something in the system to handle one or more of those three things for a person having more than one of the aspire cards. Even with nothing getting messed up in the future, I'd end up with 6 different year timelines to track (The Aspire uses cardmember year, calendar year, and upgrade conversion date year for the separate parts) to go with $750 airline and $750 hotel credits with various dates. And I already have Southwest airline credits with Chase and Travel Credit with Chase to use each year as well. At least a minor pain in the @, and a little absurd. Honestly, I'd only value additional airline and hotel credits at most $200 each for my own purposes. The main benefit then on an ongoing basis would be a free weekend night in exchange for the work of managing the dates and charges for all the credits.

13 months or so would allow 2x (up to 3x if maybe 16-20 months, varies by card) each of the airline and hilton credits and possibly 2x weekend night per card. If they also sent an upgrade points offer, that means I might get $1000 airline credit, $1000 hotel credit, $700+ worth of Hilton points and four weekend nights all for ~$900-$1000. The possible profit would be ~$2500+ for risking $900. And it wouldn't violate the "we can take all your benefits back and close all your other American Express cards if you abuse us, for example if you downgrade or cancel within the first 12 months" that's standard in Amex offer terms.

If I don't end up upgrading either of them I will downgrade them both. No reason to keep ascends around when I have an aspire. They just currently have free weekend nights only at the first account anniversary dates so I can't get rid of them yet.

Edit: I modified your quote where you forgot about the Hilton $250 credit in the effective fee calculation. I'd use basically the same thing for additional cards except value each of the $250s less and the free night more. Yes, the effective annual fee is negative... It's not the only card that is that way now either. Chase now has a Southwest card that gives a $75 southwest credit and $112.50 worth of southwest points with a $149 fee, for an effective annual fee of around negative $30 (again valuing airline credits at 90% of face).

Last edited by B3nder; Jul 31, 18 at 4:36 pm
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Old Jul 31, 18, 5:45 pm
  #1433  
 
Join Date: Jul 2018
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HH Aspire: 7x points per dollar for US supermarkets and US gas stations????

good evening!

I have a HH Amex Aspire for about a month now and last week a received Welcome information material by mail.

In this ads has a information that we can have 7x points per dollar for US supermarkets and US gas stations.

I’m new user and I cannot share the photo here yet.

Does anyone know about this?

thanks

Last edited by Eduardo Martins; Jul 31, 18 at 5:49 pm Reason: Missing information
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Old Jul 31, 18, 6:59 pm
  #1434  
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Originally Posted by B3nder View Post
because I'm talking about a 2nd and 3rd aspire.I modified your quote where you forgot about the Hilton $250 credit in the effective fee calculation. I'd use basically the same thing for additional cards except value each of the $250s less and the free night more. Yes, the effective annual fee is negative... It's not the only card that is that way now either. Chase now has a Southwest card that gives a $75 southwest credit and $112.50 worth of southwest points with a $149 fee, for an effective annual fee of around negative $30 (again valuing airline credits at 90% of face).
i didn't actually forget. I was trying to point out how someone could get to less AF than on the Ascend even without using the resort credit. And I wanted to point that out,because, as you mentioned, the sparse resort locations make that resort credit not as easy for some people as for others.
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Old Jul 31, 18, 7:22 pm
  #1435  
 
Join Date: Apr 2011
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Originally Posted by sdsearch View Post
i didn't actually forget. I was trying to point out how someone could get to less AF than on the Ascend even without using the resort credit. And I wanted to point that out,because, as you mentioned, the sparse resort locations make that resort credit not as easy for some people as for others.
Yes, but if the effective annual fee adding them all together is still a cost, it wouldn't make sense to keep the ascend *or* upgrade for my additional cards. Agreed on the first card. Although, for future years I can guess the airline credit might be harder to use than the hilton one. But we'll never know.

Surpass, even with an annual fee, I was basically paying solely for the Gold status. So, an Aspire is a no-brainer for me and a big upgrade.
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Old Aug 1, 18, 3:19 pm
  #1436  
 
Join Date: Apr 2006
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I'd half decided not to bother with this card (I have the Ascend) because the majority of my charges come from restaurants (about 70%) and groceries & gas (20%), but now thinking about it, Im willing to trade out of the groceries multiplier since restaurants is a little higher and with all the other benefits.

I'm doing the math backwards on this since incrementally the annual fee is an extra $355, so even with just the $250 travel credit I'd be doing ok. I stay in hiltons maybe 3-4 times a year, and only if its convenient, never in the USA. (I dont particularly value PP since I have amex platinum in the uk)

I'm a little unclear as to this:

$250 Airline incidental fee statement credit - How does this work on the Amex side? Does it use the same "engine" as the Platinum/Centurion American Express cards? I've read that those cards requires you select an airline before you use your card to get it credited. And you can only change it once a year. Is this how it works with this card? Incidentals means not airline award taxes, upgrade fees?
Correct, it uses the same “engine” as the Platinum/Centurion cards and follows the same terms and conditions as to what is defined as an “incidental”.
Can someone tell me if that means you select the one airline for the year or point me to those terms and conditions? I dont particularly have a problem with that, as long as British Airways is on that list?


My final problem comes from the fact that I'm not a US resident. I opened my Ascend via global transfer, and they gave me the basic credit limit of $1000, which meant in essence I turned the card into a prepay card, loading it up upfront. I clicked increase my credit limit online recently and it instantly jumped me up to $3k. I did it again, and it refused saying I had to wait 90 days. Very inconvenient, last month my spend was $16k so I was constantly online prepaying it.

So I guess my questions is, is there a different credit criteria for the Aspire card, or will they just transfer me over to it with the same credit limit?

Finally, I have the free night cert from the ascend, would that complicate things if I got the aspire, or would I then have 2 certs?
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Old Aug 1, 18, 4:53 pm
  #1437  
 
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Originally Posted by aceman View Post
Im willing to trade out of the groceries multiplier since restaurants is a little higher and with all the other benefits?
Note that the restaurant benefit is limited to U.S. restaurants only.
Originally Posted by aceman View Post
Can someone tell me if that means you select the one airline for the year or point me to those terms and conditions? I dont particularly have a problem with that, as long as British Airways is on that list?
Yes, you select one airline for a calendar year. This list contains U.S. based airlines only - Alaska, American, Delta, Frontier, Hawaiian, JetBlue, Spirit, Southwest, United.
Originally Posted by aceman View Post
Finally, I have the free night cert from the ascend, would that complicate things if I got the aspire, or would I then have 2 certs?
No problem, you would have two certificates.
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Old Aug 2, 18, 6:49 pm
  #1438  
 
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Just got my new Priority Pass card in the mail today. It was for my Hilton AMEX which I cancelled back in February, LOL.
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Old Aug 2, 18, 8:22 pm
  #1439  
 
Join Date: Jun 2015
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Originally Posted by sdsearch View Post
Why only for 13 months? Aspire can easily have a lower "effective" annual fee than Ascend. Aspire gives you a free weekend night annually, Ascend doesn't. Aspire gives you up to $250 airline credit (similar rules for what counts as for Amex PRG/Plat cards), Ascend doesn't. Aspire gives you up to $250 resort credit, Ascend doesn't. For example, if you get the $250 airline credit (say, with 2x$100 + 1x$50 AA e-gift cards) and your free weekend hotel cert gets you a hotel over $105 (including taxes), you've paid less than $450-$250-$105=$95, which is the AF on the Ascend. With a hotel night over $305 (including taxes), just the free weekend hotel night cert would do it by itself! Or stay 2 nights (including at least one on a weekend) at a hotel on the Hilton resort list where the room rate (with taxes) is a bit over $250, and you've saved about $500 ($250 resort credit plus free weekend night cert), which is more than the $450 annual fee.

(I've had cards from Chase that give an annual free night cert of some sort for many years, and I've always gotten more value out of those than the AF on those cards, so I'm used to the concept of "net negative" AF being possible on hotel cards.)

So I don't see the point for most travelers in downgrading from Aspire to Ascend.
Ascend works better for me because I spend over 15k/year, so I get the free weekend night. I also put my groceries on there too. Plus, most years I wouldn’t use the resort credit.
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Old Aug 2, 18, 9:00 pm
  #1440  
 
Join Date: Apr 2011
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Originally Posted by Cledaybuck View Post
Ascend works better for me because I spend over 15k/year, so I get the free weekend night. I also put my groceries on there too. Plus, most years I wouldn’t use the resort credit.




I'm probably only putting my $250 hilton spend (for the statement credit) on the card. The hilton peso multipliers for the other categories even on the aspire aren't very competitive and most things I put into Chase UR instead. I'd also put other Hilton charges on it, but it will be a while until I burn through my hilton points balance.

Sounds like the ascend works out well for you, though.
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