Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Links in this post may provide us with a commission.
Upgrade Offer for the American Express Surpass Card
American Express has been sending out emails to upgrade the no annual fee Amex Hilton card to the Amex Surpass. It is also showing up in the Amex Offers section for the American Express Hilton card. In the past you have had to carry the no fee Hilton Honors card for at least a year before getting Surpass upgrade offers. The offer ends on 10/4/17 but they have pulled upgrade offers early in the past.
American Express Surpass Upgrade Offer Details
The offer comes with 100,000 Hilton Honors points after $3,000 in spend within the first 3 months. It is very similar to the public offer for the Surpass card but does not include the free night after your first year. Since it is an upgrade offer it will not require a hard pull.
Differences Between the Surpass and Regular Hilton Card
The American Express Surpass card comes with some nice perks that are not a part of the standard Hilton Honors Amex card. They are as follows:
- 12 points per dollar at Hilton Hotels instead of only 7
- 6 points per dollar at US gas stations, US restaurants, and US grocery stores versus 5 with the no annual fee version
- The American Express Surpass comes with Hilton Honors Gold status versus Silver status for the no fee version.
- Reach Diamond status after $40,000 in spend in a calendar year versus Gold status after $20,000 in spend for the no fee version.
American Express Surpass Fees
There are a few fees to consider with the card:
- The American Express Surpass card has a $75 annual fee (prorated according to your current Hilton cardmember year).
- The American Express Surpass card has foreign transaction fees – (same as the Hilton Amex card)
Upgrade Bonus Value $400 ($325 net)
Hilton Honors points are worth $.004 a piece so 100,000 points are worth $400. You will need to pay a $75 annual fee (remember it is prorated so will most likely be less) leaving a minimum net value of $325.
Once Per Lifetime Language
With past upgrade offers it has been possible to get the American Express Surpass upgrade offer even if you have carried the card previously. Some have even done it multiple times.
Upgrade Bonus or Sign Up Bonus
If you have previously had the Surpass card then taking the upgrade bonus is a no-brainer.
If you have never received the sign up bonus for the American Express Surpass card then you would be better off signing up for the public sign up bonus offer. It comes with the same amount of points for the same amount of spend but also has a free night after the first year. Also, if you upgraded to the Amex Surpass card then you would not be eligible for the sign up bonus in the future.
This is a very nice offer that requires no hard inquiry. If you have previously had the American Express Surpass card, and you are looking to boost your Hilton points stash, then I suggest jumping on this offer ASAP. The Amex Surpass offers a nice earning structure, good perks, and a reasonable annual fee.
If you have never had the American Express Surpass card before then I would suggest going with the public sign up offer instead. That offer comes with a free night on top of 100,000 Hilton Honors points.
Did you get receive the offer via email or Amex Offers? Are you going to pull the trigger?
Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.