Did Amex Ruin This Card? (Hilton Surpass)

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The Amex Hilton Surpass is the mid level Hilton cobranded card. It sits right between the Hilton Honors card and the Aspire card. Amex recently overhauled all of these cards and in this video I focus on the changes made to the Surpass.

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I honestly think these changes make it a better card for me personally. That's not true for everyone, but as someone with Priority Pass on other cards and really only wanting to use hotel cards with the hotels those cards are partnered with makes these changes not too terrible at all. Great breakdown Mark! Happy to see your vids back again! 👊🏼

SpencerJohnsonOfficial

At least where I currently live in Okinawa Japan, I can just go eat at the hotel buffet for lunch once a quarter without staying there and it refunds me the $50. Did it a couple weeks ago and it worked. Super easy to use

krisrock

For food, monthly or quarterly credit makes sense, because everyone eats 3X/day. But for travel, few people travel weekly like I do.

De_Guatemala

Same with the Amex gold, I’m just not built for Amex cards at the time. We buy majority of our groceries at Walmart and Sam’s so we’d be missing out on a big amount of points. Maybe one day my spending will align with their cards but for now 🤷🏿‍♂️

Nick-

I saw the multipliers and would chose the regular Hilton Honors in regard to dining, gas and grocery purchases instead of this one. The only reason to upgrade is if I use Hilton a few times a year, which I don't for the higher Hilton multipliers at their hotels.

ThVultur

So do the points earned go towards only Hilton honors or can be used for everyday items ?

cedricgutierrez

I upgraded to Sapphire Reserve.
So I downgraded Hilton Surpass to Hilton Honors.
I accepted a Gold -> Platinum upgrade offer.
And then I realized that Surpass now efficiently blends with Platinum. So 2 months later I upgraded back to Surpass.
Am just completing WF Choice Privileges Select 90, 000 pts bonus spend.
I also have Autograph.
And SavorOne.
Good to go SE Asia or Europe!

fogrunr

Cheers Mark. Valid point of Amex’s target customer.

Sci-Fi_Fan

At some point Amex needs to stop increasing SUB spend requirement. I live in the Northeast, there's not a single utility accepting Amex, and most restaurants, especially dinners are refusing to accept it.

junitolopez

Damn even $100 every 6 months, Quarterly is Brutal

rustysweatshirt

I really don’t get this take. Why have a Hilton card if you’re not even going to stay at their properties at least once a year? If you actually stay at Hiltons, this card is way more valuable now. Food and beverage credits from Gold status alone can pay for the card. The only ones losing are those who only had this for Priority Pass, but it can easily be replaced by the Altitude Connect or Reserve

royce

I just picked up the Hilton Honors business card about a month ago. Hit the sign up bonus for it within the first week on a photo shoot/Production that I had - and crazy enough, the points were in my account with an a day or so. Still deciding if I’m gonna get the personal Hilton cards or not.

Actually, just filmed my first “credit card“ themed YouTube video about it. Been watching yours and all the other dudes - so I guess it’s time for me to finally add my voice…fingers crossed

Americanomondays

I don't think this card is long-term. Quarterly credit is just not good. Especially if I already have Aspire card. But I heard from some people that if you go in and dine at one of Hilton hotel restaurants, credits trigger. I guess it depends on how restaurant/hotel codes that charge. But still.
And people shouldn't really drop $15k on this card just to get another free night.
I probably get one and in year 2, I would ask for an upgrade offer and get another Aspire! Love the video Mark!

kevinManhattan

Funnily enough I think the only Amex card that’s worth a shit now is the Business Prime Amex. I’ve been running Chase for everything else and holding my capital one setup.

pkmachinegun

Let's face it. We all want to maximize. The credits haven't got enough real world use. Yet. But in my mind one possible "hack" is to prepay non refundable booking price (which is always lower) in March for July. Do it again in April for July next day. Then reserve for July pay at hotel for one night. Each billing should trigger credit. So $150 off a 3 night stay. Haha idk I only have the annual fee free version because (like a lot of us) have the Platinum card for Gold status.

NCKyle