American Express is offering me an upgrade my plain jane Hilton HHonors to the Hilton HHonors Surpass card.
From a quick look online, I would be able to upgrade the card without a hard inquiry to my credit. Like the public offer, I’d still pay the $75 annual fee that isn’t waived. Besides the inquiry, the biggest difference is the 10,000 Hilton HHonors points. I currently have about 60k points banked and adding 50k bonus would put me at 110k points. While that’s a nice number for most programs, it is not nice for the Hilton program. Redeeming for any Hilton room is incredibly difficult because of the high point requirements and lack of points and cash availability.
I won’t be upgrading my Hilton HHonors card because I don’t have any upcoming travel plans where I could utilize all the points.
For those who can take advantage of this, don’t forget you’d earn 6x points at Supermarkets and that is where I would put all the spend, minimum and all.
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