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Hilton Honors American Express 60k bonus miles

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Seems like a solid deal on a good card. Question will be how difficult is the application process?

https://online.americanexpress.co...FG4#/cshop
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Created 10-16-2017 at 05:36 PM by thechidz
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Joined Dec 2009
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#2
I have the card, obtaining the cards is actually very easy, 660+ FICO score will likely qualify, single hard pull on Experian
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Joined Jul 2012
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#3
This is not hot. This card has been at 75k before. And was so for a long time too.

60k points are so so but given that Citi has lost the Hilton portfolio, Amex no longer has to Compete and we may see fewer of those higher point deals coming in.
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Joined May 2009
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#4
I think 60k Hilton points gets you a churro at disneyland.

Obviously, just kidding, but honestly not all points are equal.
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Joined Jan 2014
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#5
A 75k offer expired at the beginning of October. I like this card; it has useful spending categories and good synergy with Amtrak Guest Rewards (1 Amtrak point is worth 2 Hilton points)
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Joined Sep 2009
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#6
Quote from NathanK01
:
A 75k offer expired at the beginning of October. I like this card; it has useful spending categories and good synergy with Amtrak Guest Rewards (1 Amtrak point is worth 2 Hilton points)

Eh, I mean, not really

You get 5x on restaurants, supermarkets, and gas stations...

Given Hilton points are worth about 0.5 cents, that's about 2.5% cash-equivalent on category spending.

Which is pretty bad.

Even worse, it's 3x on non-category- which is only 1.5% cash-equivalent

Even the 7x you get for spend AT Hilton properties is only worth 3.5%.... which is inferior to a ton of better travel cards that offer you 3x-5x of points worth 3-4 times as much plus other
potential benefits like a free 4th night, etc.


The amtrack thing is pretty bad too- for Amtrak spend you'd get 6 HH points- or 3% cash back equivalent... again terrible compared to cards giving 3x on travel spend of points worth 3-4 times what HH points are worth.

For non-amtrak travel spend on that card you'd only get 4 HH points, which is even worse.


In short- after the signup bonus, this card is pretty useless for ongoing spend unless you've got some very specific redemption where you get a lot more than the typical 0.5 cents per HH point in value out of them.
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#7
2.5% on restaurants, supermarkets, and gas is pretty good for a no annual fee card, even if it's only 1.5% on other purchases.

Your rant about Amtrak makes no sense. I'm earning close to 1000 Amtrak points per week during the double days promotion (in addition to credit card rewards) just for commuting.
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#8
It's relatively easy to get greater than .5 cpp out of Hilton points if you do it right. My last booking was .09 . That being said, I'd wait till the signup bonus jumps again. As for ease of getting this card...If you have a pulse, Amex will issue, assuming of course that you don't already have 5 cards. That all being said..depending on what you are going after, there are way better cards out there to start. Who wants to go down the credit card rabbit hole? Smilie
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#9
Is there a no-annual-fee credit card with a higher reward on restaurant and grocery purchases? You usually get one or the other.
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#10
Quote from NathanK01
:
2.5% on restaurants, supermarkets, and gas is pretty good for a no annual fee card, even if it's only 1.5% on other purchases.
Not really.

Amex Everyday is 2x MR on grocery with no fee (and 2.4x if you use it decently often.

MR are usually worth 1.5-2 cents a point for travel (on the low end/economy- potentially a LOT more on premium travel)

So that's 3 to 4% back on groceries low end, higher with the 20% bonus for using it often.... or just get blue cash everyday if you don't want points (then again this card is hilton points, not cash...)... that does 3% straight cash on groceries.


For gas there's many free cards that are 3-4% cash back... or Chase Ink Cash is 2x UR, and UR are again worth at least 1.5-2 cents a point for travel (on the low end/economy- potentially a LOT more on premium travel)- so again that's at least 3-4%


Restaurants there's a TON of cards that beat the hell out of 2.5%, especially if you travel.... hell if you're a costco member the costco visa gives you both 3% on restaurants AND 4% on gas in one card.... if you're a SAMs person their card does 3% restaurants and -5- percent on gas. If you're neither the AARP card (no AARP membership needed) gives 3% on gas and restaurants.


And all those are without mentioning DiscoverIT and Chase Freedom which can get you 5-10% cash back, or 5x UR, in gas, groceries, and restaurants in rotating quarters.


All the above have no annual fee, and all give you not just higher value rewards, but much more useful/flexible rewards (either straight cash, or MR/UR which can be used lots of places other than Hilton)


Quote from NathanK01
:
Your rant about Amtrak makes no sense. I'm earning close to 1000 Amtrak points per week during the double days promotion (in addition to credit card rewards) just for commuting.
We were talking about spending- which earns you higher rewards using a card that gives 3x actually valuable points rather than this card (or even the amtrak card).

Hence bringing up amtrak if you did mean card spending is a poor deal, and if you did NOT mean card spending made no sense.


Your promo seems to be passive earn (ie regardless of the card you book with you get the points)- which is fine if so- it's free... but having this Hilton card doesn't help you at all in that case.

But even then using them for Hilton points is a terrible idea.

From what I can find 1 amtrak point is worth 2.5-2.9 cents a point when used for actual amtrak tickets

or 2 HH points... which is worth about...1 cent in typical valuation.


Since you actually travel regularly on amtrak you're losing money using them as Hilton points.








Quote from NathanK01
:
Is there a no-annual-fee credit card with a higher reward on restaurant and grocery purchases? You usually get one or the other.
Yes, if you want the best rewards you often need to carry more than 1 credit card.

Pretty small burden for free money.


Though folks who qualify for the USAA card can get 2.5% cash back on everything, without the burden of trying to wring value out of Hilton points or carry more than 1 card I guess.
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Last edited by Knightshade October 17, 2017 at 08:08 AM.
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#11
3% on groceries vs 2.5% on groceries...that's a difference of $30/year (at the max $6k). Plus the Hilton card includes restaurants.

I'm aware that many credit card enthusiasts don't like the Hilton card (you included), but for somebody who doesn't want to carry around a bunch of credit cards, it's competitive with other no-annual-fee cards (depending on your spending habits). This is because it's one of the few cards to include both groceries and restaurants at 2.5%.

Oh, and the train tickets that I use to commute can't be purchased with points. You are making a lot of incorrect assumptions in your effort to rant. Not everybody wants to deal with a bunch of cards that have rotating categories with $1500 quarterly spending limits. It's just not worth the time IMO.
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#12
Quote from NathanK01
:
3% on groceries vs 2.5% on groceries...that's a difference of $30/year (at the max $6k). Plus the Hilton card includes restaurants.
Except I cited cases where you can get a good bit more than 3% (and without a cap)

For example most people value Amex MR around 1.8 cents a point for travel (you can do much better on premium bookings, but let's stick to 1.8)- That's 4.32% cash back equivalent.

For that matter, DiscoverIT gets you 10% cash on $1500 first year, and 5% on $1500 subsequent years- and Freedom get you 5x UR on another $1500- which is MINIMUM 7.5% cash back for travel if using UR right- and closer to 10% on point transfers (and even more on premium bookings)

But yeah- if you get confused owning more than 1 credit card then.... well, the hilton still kinda sucks, given you can get single card that give 2.5% cash on everything

And I already mentioned numerous options that beat the hell outta 2.5% at restaurants.





Quote from NathanK01
:
I'm aware that many credit card enthusiasts don't like the Hilton card (you included), but for somebody who doesn't want to carry around a bunch of credit cards, it's competitive with other no-annual-fee cards (depending on your spending habits). This is because it's one of the few cards to include both groceries and restaurants at 2.5%.
Like I said- if the idea of having two or more cards in your wallet totally baffles you, then yes, actually getting more money back on your spend by using a different card might not be for you.

So probably skip that- and also skip this crap Hilton card and just get a card that gives 2.5% cash on everything and call it a day.


Quote from NathanK01
:
Oh, and the train tickets that I use to commute can't be purchased with points.
Weird. You earn amtrak points on tickets that amtrak points can't buy? Which ones are those?


Quote from NathanK01
:
You are making a lot of incorrect assumptions in your effort to rant
Oddly you haven't managed to cite any of them (except possibly what kind of train tickets you buy)

I gave a bunch of examples of better cards in every single category you mentioned.

Literally the only defense of not using any of them you offered was "Having more than 1 credit card is SO CONFUSING!!!"

Quote from NathanK01
:
. Not everybody wants to deal with a bunch of cards that have rotating categories with $1500 quarterly spending limits. It's just not worth the time IMO.
Yeah, I mean if taking 60 seconds to check what's giving max rewards this quarter once every 3 months to get extra free money is too much work, like I said, this stuff isn't for you.

Neither is the Hilton card though because it still sucks compared even to simple cash back cards... since you can't have MORE than 1 card after all, a broad card that gives 2.5% (or even just 2%) straight cash on everything would still beat it unless you never made any non category spend (in which case it'd still be better because cash is more useful than HH points)
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#13
Knightsade provides some good advice. I actually singed up for the higher end Hilton Amex card (3k spend in 3 months, annual fee), but I know the benefits and will be able to use them. I also have most of the other superior cards Chase Freedom, Reserve, SPG, etc that I will fall back on after I take advantage of this Hilton card.

If you will only use 1 or 2 cards this is not the one to get.
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#14
That's groupthink. I'm aware of the sentiment, but I disagree with the opinion that the no-annual-fee Hilton card is a bad card for everyone.

When it comes to rotating bonus cards, the $1500 limit reduces their usefulness (assuming they are even in a useful category). It just doesn't make sense if you only want to carry one card. The other cards you (agent 099) mention have annual fees.

The benefit of the Hilton card is no annual fee and grocery+restaurant as a bonus category. That and I already accumulate a couple nights worth through Amtrak anyways, so only a couple more nights are needed to get the fifth night free. Sweetens the deal.

Just because the points are worth half a cent doesn't mean it's a bad card. It's not hard to Google the value of points. It's an incorrect assumption that the Hilton card only appeals to those who are wooed by large numbers.
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Last edited by NathanK01 October 17, 2017 at 10:34 PM.
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#15
Quote from NathanK01
:
That's groupthink. I'm aware of the sentiment, but I disagree with the opinion that the no-annual-fee Hilton card is a bad card for everyone.
it's not groupthink, it's math.


Quote from NathanK01
:
When it comes to rotating bonus cards, the $1500 limit reduces their usefulness (assuming they are even in a useful category).
I mean- not really.

One category is gas stations.

On average people spend less than $1500 on gas in a year (and you can bank the unspent amount via gift cards). If you do spend more that's fine- since you can easily get more than 1 such card which bumps your limit up to 3k or 4500.


Another is grocery stores... most people do spend more than 1500 a year on that- but again it's dead easy to have 2 or 3 cards giving you this, so you're up to 3000-4500, which again covers what most spend on that in a year.

Another is usually Amazon/walmart/target which covers a lot of goods.



Quote from NathanK01
:
It just doesn't make sense if you only want to carry one card.
Neither does only carrying one card.

If you only want to carry one card then you are explicitly not interested in obtaining the most free money for relatively little effort.

In that case the hilton card still sucks

Because it only rewards you with Hilton points, which are of limited usefulness, and its rewards rate isn't great at that.

If you for some reason hate extra free money and MUST only carry ONE card, get a 2.5% cash back card.


.
Quote from NathanK01
:
The benefit of the Hilton card is no annual fee and grocery+restaurant as a bonus category.
Yes- it gives you about 2.5% return only in 3 categories and only useful for Hilton hotels

And only 1.5% return on anything outside those categories and only useful for Hilton hotels

Versus the free USAA card that gives you 2.5% return as CASH on every dollar you spend anywhere

if you only want ONE card- the Hilton card sucks in comparison.

For most people it even sucks compared to the 2% cashback cards anybody can get for free, since cash is more useful than HH points, and 2% outside those 3 categories beats 1.5%.

Or hell while you're at it-

https://www.santanderbank.com/us/...ards/bravo

3% back at restaurants, grocery stores, and gas stations. Beats the HH card across the board there.

There's a $5000 per quarter cap, most folks don't spend that much on those things per quarter anyway (and if you do then it's REALLY worth using more than 1 card by a huge margin)

There is a $49 annual fee (waived first year)- but that's ok, since the 0.5% more reward (and more USEFUL reward) you get over the Hilton card EASILY pays for that $49, especially if you spend so much on them that a $1500/qtr cap was previously a concern.


So again- the Hilton card sucks in basically every case compared to other, better, options.



Quote from NathanK01
:
That and I already accumulate a couple nights worth through Amtrak anyways, so only a couple more nights are needed to get the fifth night free. Sweetens the deal.
Still waiting for you to explain what Amtrak tickets you are buying that you can use Amtrak points on?


Quote from NathanK01
:
Just because the points are worth half a cent doesn't mean it's a bad card.

No, it's the fact that they're only worth that much AND you don't get enough of them per $1 of spend to make the card worth using. Basically ever. When compared to other, better cards.

Because, again, math.



Quote from NathanK01
:
It's an incorrect assumption that the Hilton card only appeals to those who are wooed by large numbers.
That's true.

It also appeals to people who don't understand how it's demonstrably inferior to lots of other cards in literally every case they have mentioned.
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Last edited by Knightshade October 18, 2017 at 10:52 AM.
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