AMEX Hilton: Surpass vs. No-fee
#1
Original Poster
Join Date: Jun 2008
Location: PDX
Programs: OnePass, MilesPlus, AAdvantage, SkyMiles (unfortunately), PC Plat, HH Silver, Marriott Aluminium
Posts: 739
AMEX Hilton: Surpass vs. No-fee
I am trying to decide between getting the Hilton Surpass AMEX card or just their regular no-fee AMEX. I guess, since I will rarely actually pay for a room at a hilton, basically I just need to decide whether the $75 annual fee is worth the extra 20,000 point bonus. Also, I've already applied and received a few cards recently so I think I need to be a little less carefree here considering the nervous conditions of these financial institutions. So my question that could make the decision for me is, is it "easier" to get the no-annual fee card compared to the Surpass or are they both treated the same, qualification-wise? In other words, if you could get the no-fee card you could just as easily get the Surpass version. (in terms of "instead of" and not "in addition to" that is.)
Thanks for any insight...
Thanks for any insight...
#2
Join Date: Feb 2009
Location: Afghanistan via West Virginia
Programs: HHonors Gold, United Airlines Prem. Ex.
Posts: 103
When I got the no-fee card a few months back, I got it because I never had a AMEX before and I stay at a lot of hilton properties. Within about 60 days I got an email asking if I wanted to upgrade. There was no credit check or anyting. I was upgraded to gold for a year and they waived the first year $75 dollar fee. Now, I get 9 points instead of 6 at the properties. This is my main card though. If it was not then I really dont see the difference. I put about 1500-2000 a month on it right now, so the points are adding up.
If you already have status with Hilton (gold or diamond) and you are not going to be using this card frequently, then I would just stick the the no-fee card.
If you already have status with Hilton (gold or diamond) and you are not going to be using this card frequently, then I would just stick the the no-fee card.
#3
Join Date: Sep 2000
Location: Royal Oak, MI 48067
Programs: Delta Gold, HH Gold
Posts: 809
I think the biggest reason to get the Surpass card is that if you spend more than $40,000 a year Surpass will give you Diamond status. If you don't charge that much on a single card in a year, then I can't see that the $75 fee would really be worth it.
#5
Join Date: Jan 2004
Location: Pennsylvania
Posts: 8,142
Bobette
#6
Join Date: Feb 2008
Posts: 783
worth it for me
I hit $40k spent and received Diamond through 03/2011, so I will have that status for the next 18 months. I believe Hilton has "soft landing", so I should have Gold through 03/2012 and that is without spending another $1 on this card.
It is worth it for 9 points at Hiltons as well, and of course if you get Diamond anything on Hilton properties will yield an additional 50% bonus.
Some people could consider getting the card, hitting Diamond and then downgrading next year.
As some mentioned AMEX does give partial credit to the fee, many received a $50 credit against it, so it is only $25 for the card.
Not for me, but for some the benefit of free (usualy $99) yearly membership airport clubs (with a co-pay of $27/use) is worth it as well.
I hope this makes it easier for you.
Best,
PedroNY
It is worth it for 9 points at Hiltons as well, and of course if you get Diamond anything on Hilton properties will yield an additional 50% bonus.
Some people could consider getting the card, hitting Diamond and then downgrading next year.
As some mentioned AMEX does give partial credit to the fee, many received a $50 credit against it, so it is only $25 for the card.
Not for me, but for some the benefit of free (usualy $99) yearly membership airport clubs (with a co-pay of $27/use) is worth it as well.
I hope this makes it easier for you.
Best,
PedroNY
#8
Join Date: Jul 2009
Programs: AA, UA, HH, SPG
Posts: 62
I just applied online for the regular HHonors Amex (my first one ever), under a targeted promotion to earn 62,500 points (20k after 1st purchase & 30k after $1500 in 90 days). But I didn't get instant approval. I'm concerned this is because I just applied (instant approval) for the SPG Amex last week.
Any suggestions on what may have happened, or if I should follow up with a phone call to try to help the approval process?
Any suggestions on what may have happened, or if I should follow up with a phone call to try to help the approval process?
#9
Join Date: Feb 2008
Location: MIA
Programs: AA PLT 2mm SPG Gold HH Diamond
Posts: 740
I just applied online for the regular HHonors Amex (my first one ever), under a targeted promotion to earn 62,500 points (20k after 1st purchase & 30k after $1500 in 90 days). But I didn't get instant approval. I'm concerned this is because I just applied (instant approval) for the SPG Amex last week.
Any suggestions on what may have happened, or if I should follow up with a phone call to try to help the approval process?
Any suggestions on what may have happened, or if I should follow up with a phone call to try to help the approval process?
#10
Join Date: Jul 2009
Programs: AA, UA, HH, SPG
Posts: 62
#12
Moderator: American AAdvantage
Join Date: May 2000
Location: NorCal - SMF area
Programs: AA LT Plat; HH LT Diamond, Maître-plongeur des Muccis
Posts: 62,948
There's a lengthy existing thread to read about Surpass.
As far as credit hits, one certainly affects one's FICO score taking out another card. And credit companies are getting mroe restrictive as well.
Check the benefits side by side, and decide. I like Surpass because:
9 points per dollar spent at Hilton Family hotels, as well as the same HH AMEX 6 points iirc at grocery stores, drugstores, gas stations and to pay wireless, home phone, Internet, cable, and satellite TV bills; 3 points per dollar for everything else. 2,500 bonus points for the first eight stays paid for with Surpass.
40,000 HHonors points with first purchase isn't bad, either.
And for some, status maintenance with Surpass is easier.
I wish AMEX still paid the grocery store etc. points at USPS and restaurants.
As far as credit hits, one certainly affects one's FICO score taking out another card. And credit companies are getting mroe restrictive as well.
Check the benefits side by side, and decide. I like Surpass because:
9 points per dollar spent at Hilton Family hotels, as well as the same HH AMEX 6 points iirc at grocery stores, drugstores, gas stations and to pay wireless, home phone, Internet, cable, and satellite TV bills; 3 points per dollar for everything else. 2,500 bonus points for the first eight stays paid for with Surpass.
40,000 HHonors points with first purchase isn't bad, either.
And for some, status maintenance with Surpass is easier.
I wish AMEX still paid the grocery store etc. points at USPS and restaurants.
#13
Join Date: Feb 2007
Location: DEN
Programs: HHonors Diamond, United 1K, Amtrak Select, Hertz 5*, Marriott Gold
Posts: 126
I hit diamond every year based on stays and nights. I only use my Amex at Hilton properties and Costco. Without the benefit of status, the 3 extra points per dollar alone isn't worth the $75 fee.
But if you don't have status, and you'll spend enough to keep your status every year, then go for it. If you stay at hilton's regularly and this is the best way for you personally to maintain your diamond status, then it's worth the fee and using it as a primary card.
But if you don't have status, and you'll spend enough to keep your status every year, then go for it. If you stay at hilton's regularly and this is the best way for you personally to maintain your diamond status, then it's worth the fee and using it as a primary card.
#14
Join Date: Sep 2000
Location: Royal Oak, MI 48067
Programs: Delta Gold, HH Gold
Posts: 809
#15
Join Date: Aug 2004
Location: Texas
Programs: AA 1MM; Hilton Diamond
Posts: 444
If you value HH points at .5 cents each, the break-even on the fee is $5,000 of hotel spending to make the extra 3 points worth it.