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In February I reported on targeted Amex Hilton Surpass 75k upgrade offers with no ‘once per lifetime’ language.
At the time, I upgraded my no annual fee Hilton. Despite having had the Surpass many times, I received the 75k points immediately upon completion of the $3k minimum spend.
New 100k and 80k Public Offers
For people who have never had the Amex Hilton cards, yesterday I wrote Big Amex Hilton Offers and a 24-Month Hilton Credit Card Strategy. Here’s my refer-a-friend link for the Amex Hilton Surpass 100k + first anniversary free weekend night.
100k Upgrades Without ‘Once Per Lifetime’ Language
Doctor of Credit is reporting that targeted offers now are 100k, also without ‘once per lifetime’ language. Unlike the public offer for new applicants, this offer does not include the first anniversary weekend night.
If you have never had the Surpass, you may choose a direct application rather than upgrade.
Or not. Why?
Amex Upgrades are Great
1. Amex account upgrades do not result in a hard credit inquiry. Each new inquiry makes it that much harder to get new cards in the short-term future. Getting a solid bonus without an inquiry is an easy win.
2. I haven’t heard of Amex denying upgrades. Since you are not requesting an new account or new credit, there will need to be something very odd in your account for an upgrade to be denied.
3. Amex account upgrades also do not report as a new account. Think of it like when you lose a card: a new card number is issued but the account is reported as the same. If you are tracking accounts such as for Chase ‘5/24,’ an upgrade won’t hurt you.
What I Would Do If I Had Never Had the Surpass
If I had never had the Surpass, I would ditch the free anniversary night and just take a 100k upgrade. No credit inquiry, no new account. Easy peasy and move on.
Since I Just Upgraded, What I Will Be Doing
I upgraded to Surpass in February. I already got the bonus. I will immediately downgrade back to the no annual fee card (yes, you can, that used to be a great rinse and repeat move). Through May 31 I’ll be on the lookout for the 100k upgrade offer.