Why We’re Getting the 100K Offer Despite the Devaluation

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Through the end of May, you can earn 100,000 Hilton Honors points with a new offer from the Hilton Honors Surpass Card from American Express. Just spend $3,000 on your card within three months of card ownership and you qualify. Keep in mind, however, that this card comes with a $75 annual fee.

Once I get good and ready, I’m going to sign myself and my husband up for this offer. While I’m not a huge Hilton fan because the Hilton Honors program has been severely devalued, there is plenty of opportunity here. Here’s why we’re signing up:

Two signup bonuses are worth double the travel. While a single 100,000 Hilton Honors balance is enough for several nights at a lower end hotel, 200,000 points is enough for a full-fledged vacation.

For example, one of my favorite Hilton properties – the El Conquistador in Fajardo, Puerto Rico – goes for around 46,000 Hilton Honors points per night. With two signup bonuses, we’d have enough points to return for at least four nights – and potentially more if we used the new Hilton “points and cash” option.

Hilton lets you pool points with your spouse. Obviously, having both spouses rack up points only works if you can pool points with your partner. Fortunately, the Hilton Honors program does let you pool points with a spouse. Further, new changes to the program have made it possible to pool points with up to 10 people each year.

Amex Platinum gives you Hilton Gold status. If you have the Platinum Card from American Express like I do, you have Gold Status with Hilton Honors. While this status only means something at certain types of Hilton properties, you do get certain benefits like guaranteed discounts, digital check-in, complimentary internet, late checkout, and complimentary bottles of water. You can also get bonus points for each stay, and/or a welcome gift.

You can pair the card with the Citi Hilton Honors Reserve card for more free nights. While I had the Citi Hilton Honors Reserve card a year or so ago, my husband has never had a Hilton card from Citi. In the future, I would consider signing him up for the Citi Hilton Honors Reserve card to earn 2 free weekend night certificates after he spends $2,500 on his card within four months. With that card added to our portfolio, we could extend any trip even longer.

The annual fee is well worth it. While I am generally against cards with an annual fee the first year, I’ll make an exception in this case. Scoring 200,000 Hilton Honors points is well worth it, especially considering the many Hilton properties I am interested in around the globe. Whether you want to stay in a city or near a beautiful beach, there are plenty of Hilton properties to choose from.

Final Thoughts

Since the signup bonus on this card is usually not this high, now is a good time to pounce if you’re short on Hilton Honors points and haven’t had this card before. However, if you’re against annual fees, you can also consider the Hilton Honors Gold card from American Express. With this no-fee version, you earn 80,000 Hilton Honors points after you spend $2,000 on your card within three months.

Have you had either of these Hilton cards in the past? Do you plan to sign up?

 

Holly Johnson is a financial expert and award-winning writer whose obsession with frugality, budgeting, and travel plays a central role in her work. In addition to serving as Contributing Editor for The Simple Dollar, Holly writes for inspiring…
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Chase Sapphire Preferred® Card

  • Annual Fee: $95 fee waived for the first year
  • Foreign Fees: No
  • Card Type: Bank

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  • Named Best Credit Card for Flexible Travel Redemption – Kiplinger’s Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
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  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions – as long as there’s a seat on the flight, you can book it through Chase Ultimate Rewards

Breakdown

Earn (pt.)

Spend


First 3 months

50,000

$4,000


Travel Purchases

2.00

$1


Restaurants Purchases

2.00

$1


Coffee Shops Purchases

2.00

$1


Fast Food Purchases

2.00

$1


Alcohol & Bars Purchases

2.00

$1


All Purchases

1.00

$1


Chase Sapphire Preferred® Card

  • Annual Fee: $95 fee waived for the first year
  • Foreign Fees: No
  • Card Type: Bank
FTG Review Reward Breakdown Points Breakdown
  • Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That’s $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption – Kiplinger’s Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions – as long as there’s a seat on the flight, you can book it through Chase Ultimate Rewards

Breakdown

Earn (pt.)

Spend


First 3 months

50,000

$4,000


Travel Purchases

2.00

$1


Restaurants Purchases

2.00

$1


Coffee Shops Purchases

2.00

$1


Fast Food Purchases

2.00

$1


Alcohol & Bars Purchases

2.00

$1


All Purchases

1.00

$1


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