💳 Sebby's Card Picks: www.asksebby.com/credit-cards 📈 Get up to 16 Free Stocks on Moomoo (exp 11/20/23): www.asksebby.com/moomoo More Hilton Aspire: www.asksebby.com/go/hiltonaspire
@wireless123510 ай бұрын
The card got better for fewer people. People who travel a lot or are loyalists. But a lot of people had this card simply for the status and for the free night and it got worse for most of us.
@chillinbrotha107210 ай бұрын
As an Aspire cardholder, I’m looking forward to the changes because my spending varies. It will allow me to test it to see if it continues to fit my needs. I’m not one of those that immediately go negative when changes happen without testing it first. I always appreciate Sebby’s straightforward facts to help me assess and form my own opinion.
@chriskirsch44110 ай бұрын
I do not mind losing priority pass at all. Not a fan of $200 split into 4 $50 credits for flights. $400 bi-annually may be okay but the real value regardless is Diamond status and the free night. If I can use at least $200 in resort credits and $50 airline I should still come out ahead. I just far prefer credits not broken up.
@AskSebby10 ай бұрын
Agree!
@jimbobimboslice9 ай бұрын
Same. $50 credit each quarter-ugh! I loved burning through the $200 baggage credit. Now I gotta see how I can get those credits every quarter.
@Mex_gon_giv_it_to_ya10 ай бұрын
☂️ I have the Surpass and love it! Gonna keep it because I mostly drive for my trips and vacations and the priority pass wasn’t a big loss for me. The online retail multiplier was a bonus as well!
@dw442110 ай бұрын
🏖️ I personally think any kind of couponing and breaking credits down to quarters is always a bad thing. The Aspire went from a “great if you travel at least twice per year” to “have to travel every quarter” for those who are obsessing with min/max. Every business/entrepreneur, by principle, just wouldn’t be happy with more restrictions along with price increase. I do agree with you it’s not that bad and for some people they can see the benefits, but in principle, it’s just not a great change. This becomes “the new norm” one which I’m not really liking at all and one which I hate to see trending.
@rafaelsb838 ай бұрын
🏖️ I have the aspire and I don’t like that they break up the credits to quarterly.
@kartikniyogi10 ай бұрын
Correct me if I'm wrong but we can always find a pretty cheap flight on Southwest like around $50 and book them and then cancel them for a credit.
@brendanfarnand56110 ай бұрын
Agreed- same with delta e credit
@zacharydingo10 ай бұрын
I hate that Amex is now splitting up these credits, too 😣
@RichardHabeeb10 ай бұрын
Hey Sebby, I always love your videos I've been watching for years now! Friendly suggestion that would help folks like me who keep multi-tasking while watching your videos: put a running list of features of each card as you are talking about them, and maybe the name of the card on the screen. Sometimes I switch away and feel like I have to scrub back in the video because I got lost and wasn't sure if you moved on to talking about a different card or what. Cheers!
@beaconscore8 ай бұрын
For Hilton Timeshare owners this card is a must. Now with the upgrade in resort credit to $400. The annual maintenance fees give 14x in points. Totally worth the annual fee increase
@user-lb3ml3tt5f7 ай бұрын
I think you're overstating the value of the resort credit for many people who aren't beach people. I travel a lot, but I don't do beach resort vacations, and I hate Vegas. I sepnd time in Europe and Asia or even domestically in places like Seattle, Boston, etc. and there are very few Hilton resorts in those places. It's still a keeper for me based on the free night, plus the airline credts, and diamond alone. But that resort credit is very low value.
@TheCreditFrog10 ай бұрын
🏖️ Thanks for sharing your endgame Amex setup Sebby! It’s nice to compare. Mine is the BCE (oldest card can’t cancel), Bonvoy Brilliant, Bonvoy Business, BBP, and Aspire. I was going to get 2 Aspires like you, but I have a lesser tolerance for statement credits so after the change, Idefibitely going with just 1. Curious to know your thoughts! Thanks for your commentary on this news!
@SpencerJohnsonOfficial10 ай бұрын
🏖️ For the Surpass specifically, before these changes, I saw no reason for me to personally get it considering I have other cards giving me Priority Pass access already. While a lot of people may be mad about the Aspire changes, I think these changes actually made it into a card I want to apply for. Considering I don't have the Platinum right now, the Clear credit on the Aspire is actually a nice change. Great video as always man!
@AboveAllBeOriginal10 ай бұрын
fully agree with spencer
@diamondshard27 ай бұрын
Do you know if the hilton branded cards are subject to the welcome offer restrictions that if you get the Aspire, you are ineligible for the Surpass bonus in the future?
@sladesurfer10 ай бұрын
well, I have the surpass card . Only reason I got it is because it's the cheapest annual fee card that has priority pass. Now that its gone, will be downgrading it to the no fee Hilton card
@MilesAndMayhem10 ай бұрын
0.8 cpp for a hilton point seems aspirational. TPG still has them at 0.6 cpp and even that feels high from what myself and my friends have observed on redemptions. That said... still into the Aspire update.
@ultramet10 ай бұрын
Clear used to be great but now Random ID check comes up at least 25-33% of the time if you fly frequently. So you have to take out your ID anyway and show it to the TSA agent.
@Chris-vz2kv10 ай бұрын
Awful changes
@user-fm7fi2qd4q4 ай бұрын
Am I the only one who would trade the $400 resort credit on the Aspire for the $200 hotel credit on the Surpass? Any tricks for getting more value out of the resort credit?
@radtechg910 ай бұрын
I am happy! Between my husband and I we have 1 Aspire and 3 Surpass accts. Our plan this year was earning FNC in multiple Surpass accts to use next year. So well have 4 total FNC coming to us. With all the extra resort credits ill be bringing all these cards with me on our trip next week to a Resort in Mexico. Going to have the front desk apply charges to each card to get all those credits. We travel 3x a year and sometimes 4. So these charges are Aok for us.
@zzjxchsnonezjxx10 ай бұрын
Surpass is a great card to have for gas and supermarket. It's very easy to meet that $15k spend requirement to get the free night.
@nc884510 ай бұрын
I originally got the Hilton Aspire because it came with the Priority Pass and many more benefits. I finally took a flight out of LAX and no Priority Lounge was available. So I guess I don’t mind AMEX taking the Priority Pass away. Should I pay for Priority Pass direct, or should I apply for the Platinum AMEX?
@Flyguy750010 ай бұрын
Does the diamond status with this card count toward lifetime diamond status? So say you keep the card for 10 years plus the spend?
@EthanPatrick_CreditCards10 ай бұрын
Personally I travel a lot, but I’m not a Hilton loyalist and don’t want to track quarterly credits, but the welcome bonuses and free nights are pretty hard to complain about!
@MetroJet200010 ай бұрын
🏖️ I have some thoughts on the Surpass. Although I’m going to miss having Priority Pass, I have to say the card got more practical with the $200 Hilton credit. Since we mostly travel within the US and the main benefits of the card stayed intact, I’m keeping it. We generally prefer to stagger our vacations throughout the year anyway (taking one long trip and then waiting 12 months for the next one sucks) and since I’m from Florida, there’s no shortage of quick weekend getaways I can make to snap up the rest of those credits and have a nice time.
@MrLeoAndres10 ай бұрын
🏖️ do we know if the quarterly $50 airline credit will work with United Travel Bank?
@CeasarBergonia10 ай бұрын
I need to do more research but it looks like downgrading to surpass card. I use the priority pass a lot. The full resort credit. Diamond is good but gold is just as good. Luckily I have until June to make my decision.
@thejokerspeaks10 ай бұрын
The resort credit is easy for us, because we have an every-other-year Hilton timeshare (got off Ebay), and we fly from Las Vegas. Sometimes we stay at Virgin to be slightly off strip anyways. Endgame setup: Hilton Aspire, Hilton Business, Delta Business Platinum, BBP, BBP
@AskSebby10 ай бұрын
Good setup!
@Th33Vultur37 ай бұрын
I chose the no fee Hilton card. The multipliers are not much different for gas, restaurants and groceries between the no fee and the Surpass and between those two, online retail would be 4x on Surpass would be 3x on the regular. Restaurants is 1x differential between all 3 cards at 5x, 6x and 7x respecially. They are all 3x on everything else. Their multipliers are weird. Its at Hilton hotels obviously where you obviously gain the most at 7x, 12x and 14x respectively.
@Leoprieto7410 ай бұрын
The new airline credit of $200 ($50 per quarter) is a loss for me. I already have Clear with my beautiful Platinum. The $400 Resort Credit ($200 semiannual) will force me to give one of these credit to a family member in Puerto Rico ( so it is also kind of a loss for me). Having said all that, we will still stay together till death do us apart. Your $12 (cash) Barber ($16 with tip) still doing a great job! 👍
@AskSebby10 ай бұрын
Haha, thanks!
@TravelBossNas10 ай бұрын
🏝️ for me the aspire changes are great. And I just paid my annual fee last month. So I’ll be getting those improvements at the old fee! The biggest downside is losing the $250 incidental credit as it was a great use for us with United 😉. But I can use the $50 every quarter.
@ApplyWithAdler10 ай бұрын
⛱️Sebby, I’d love a video from you sharing your top 10 Hilton properties. More appropriately, the top 10 Hiltons to target for your free night stay (or for point redemption). This couldn’t be a video stating the best thing for your buck since that can change, but maybe it could be the properties with the best amenities, best rooms, best food, etc. Maybe this can be a running series with all of the different hotel brands.
@Beyond_That010 ай бұрын
The Aspire was definitely nerfed I don’t consider it as a keeper card anymore, you have to at least travel twice a year for it to become a keeper. Sad since I was planning on getting it. Thanks for the update!
@Alvin_191410 ай бұрын
I can't wait to watch this. I've been waiting for Sebby's take. #squuuuuuuuuad
@AskSebby10 ай бұрын
🙌
@SpaceForceCommand10 ай бұрын
@askSebby have you heard if they still offer upgrade bonuses? I'm holding on to an Surpass to maybe go to Aspire but haven't seen any offers 🏖️
@worldtraveler837210 ай бұрын
Horrible changes for Aspire with price increase and lost of priority lounge, and quarterly credits for airline ! I have global security and don't need clear. Smh
@stonedig9 ай бұрын
🌂 ⛱️. I have the 0AF HH. I travel less than I used to, but here in the Midwest, I get room upgrades like 90% of the time.
@ajcab81910 ай бұрын
I think Hilton is my favorite cobrand portfolio. I was going to downgrade my surpass and keep my aspire but I think I can make it work keeping both of them. Honestly, if I didn’t have guaranteed 4pm checkout as a Globalist, I’d be all in on Hilton.
@WeiliXu889 ай бұрын
Called Amex and confirmed, for existing card holder, you will still have your incidental airline credit plus the new $50 airline credit for the remaining days in this year. They were generous enough to change my airline selection for my upcoming trips in December 😊
@rickmustang8 ай бұрын
Currently own the Amex Gold. I travel 3 weeks a month and mostly stay in Hiltons. I’ll hit my SUB total in about a month so my original plan was to sign up for an Amex Platinum. The question is do I grab a Surpass or Aspire now to maximize Hilton points until I hit the SUB total for Gold then get the Platinum for the trifecta.
@andrewg99310 ай бұрын
🏖Pleased by the new "midway point" on the aspire having a 30k reward night. Previously had been running two Hilton Business (6x shipping) also hitting the 15k on each was easier that the 60k needed on the Aspire...worked out with business staying untouched! (for now)
@gregb587610 ай бұрын
Data point -flight credit - seems to work with the AA Miles multiplier. I had multiplied the miles on one of my trips just before these changes. And I'm showing the $50 airline credit.
@AskSebby10 ай бұрын
Thanks for the data point!
@Materoosi10 ай бұрын
Did clear increase prices ? Now the credit doesn’t cover that full cost of member plus one.
@mikeybee9810 ай бұрын
The surpass is even better for me now than it was before.
@Damastawilliams191610 ай бұрын
Hopefully we get some data points on how the flight credit can be used in those unintended ways lol
@piere21210 ай бұрын
First off, is 0.8cpp for Hilton Points insanely aggressive? Seems like that might be good for the high end properties but not overall to deduce value and ROI? Second, does anyone do an analysis of whether it’s a keeper card for overall spend based on the free night and free nights based on spend? That is, do the free nights juice the return on spend appreciably to move this card up the hierarchy? Just curious.
@robertlowrie84462 ай бұрын
Do a video about doubling up on cards. Having 2 Aspires seems crazy to me.
@derekong677510 ай бұрын
The Aspire breaking up of credits is a negative no matter how you look at it. The reason why most cards are breaking up these credits is that very few will be able to utilize all. And the banks save money. Its a little insulting that the top fee card Aspire is breaking up more of their credits. I think top fee cards like Aspire should keep it as one credit like the travel credit on the CSR. And breaking up the credits would be for mid to low tier cards. It should be a benefit of paying so much in annual fees to keep the credit as one sum.
@hotgrease10 ай бұрын
Breaking up the credits is annoying but I think it’s still a keeper card. Seems like they’re trying to get people to do at least 2 stays per year instead of just 1 with the free night.
@Ron-qe4ul10 ай бұрын
🏖️ Just upgraded my Surpass to the Aspire last month. Wish they would've included all Hilton properties in the credit for the Aspire.... that would've made it a keeper for me based on how I travel. I'll likely downgrade back to the Surpass next year
@MarkS-cd3cw7 ай бұрын
The Hilton Surpass seems like a no brainer vs the Amex gold with the 6x on grocery, gas and dining. 4x on online and 3x on everything else. Even if I don’t stay at a Hilton isn’t this better than the gold? Maybe I’m missing something?
@TheCedrik3410 ай бұрын
☂ is the 5 amex card limit real? I currently have six amex cards, Gold, Plat, Aspire, Surpass, Delta Reserve and Marriot Bonvoy. I was unaware of the 5 rule when applying and now just have 6. Wondering if I'm the only one. Also for myself the new changes are nice, but only because I'm not relying on either cards for the priority pass.
@AskSebby9 ай бұрын
Gold and Plat don't count for the 5 card limit. It's "credit cards" vs. their hybrid cards (fka as charge cards).
@mattlambert507910 ай бұрын
So far, every review I’ve watched failed to mention that the new Aspire is METAL. (According to the Hilton site when I ordered my replacement/update.)
@landocalrisian201410 ай бұрын
I don't know HOW Sebby left THAT out 🤦🏾♂️😄
@richsamuel292210 ай бұрын
Who cares!? 😅😂😊
@mattlambert507910 ай бұрын
@@richsamuel2922 Good one! You’re so cool-you know-the way you don’t care about stuff…so cool.
@AskSebby10 ай бұрын
Ha!
@landocalrisian201410 ай бұрын
@@richsamuel2922 Trust and Believe, many many people care lol.
@user-wh1ti5cl2c10 ай бұрын
Thanks for the video I imagine you can use the airline credit at Southwest. Just buy a one way ticket to To los angeles each quarter. And then cancel the flight and get credit. For the amount.
@SwanFJQ10 ай бұрын
⛱️ Another great review. I've been waiting for this video from you😊!
@bombas23810 ай бұрын
Silly question, Sebby: for those of us with both Surpass and Aspire cards, do we just ask them to charge $50 to the Surpass and the rest to the Aspire on checkout?
@AskSebby10 ай бұрын
Yes, I’ve done that before with multiple Aspire cards.
@mattatbat963 ай бұрын
I work for an airline and already get free personal flights through my company. I also already have Dimond status with high chance of lifetime Dimond in the next few decades. Not sure if the Aspire is worth it in my case considering I already have so much of what the card offers provided. Thinking I should go Surpass. I really like the idea of getting a free night and while the Aspire does that automatically I am not so sure 30k in a year to get the next free is in the cards. Although the 15k needed for the Surpass will easily happen.
@LisaUhrich10 ай бұрын
Great video, thanks for the update!
@jameshorton36927 ай бұрын
Like the strategy with the surpass. They pretty much turned it into a keeper card for folks with moderate travel and loyalty to Hilton.
@412foto10 ай бұрын
have a feeling if I get the Aspire, I will try the Southwest hack of buying a cheap flight to get the $50 credit activated and then cancel the flight to save it in my Southwest account for a future flight
@conor243910 ай бұрын
Just take a trip from around June 29th to July 2nd or so each year for the resort credit and use it all at once 🧠 💡
@Sustainabilitycyan10 ай бұрын
🏝️ 🏖️ thanks as always for your content. I agree that the aspire card is as good if not better than before but a bummer for those that relied on the priority pass benefit. Safe travels!
@rangeles34625 ай бұрын
🏖️ Dude are you very thorough but informative - meaning the language/narrative is so easy to understand and useful!!
@JKPham237 ай бұрын
Are you able to use the free night from holding aspire and $200 of the semi annual credit on the same stay? For example booking a 2 night stay, using your free night to cover one of the two, and then paying for the second night minus $200 effectively in the form of the statement credit?
@piper99887710 ай бұрын
I will miss having the second Priority Pass card. I am frequently connecting at DFW with long layovers. It's nice to stack two hours of Minute Suite time together to get some much needed rest.
@TheLandMiler10 ай бұрын
Personally I'm super happy about the changes to the Aspire Card! I have a similar setup with 3X Aspire and 1X Bonvoy Brilliant and I think the increase to the $400 annual resort credit makes up for the annual fee and then some! While the $50 quarterly flight credit is a bit more niche, I think there'll be use cases that already have been working out. Priority Pass can always be supplemented with other end game cards like the Capital One Venture X!
@nnamuenmada10 ай бұрын
I can't wait for the daily airline credit of $0.55 to be announced
@gingerman51235 ай бұрын
I just got an email about this card. Seems better value, for me, than the gold.
@pavanpancholy972710 ай бұрын
🏖️ if you have 2 aspire cards, can you use the Hilton resort credit for each card on one stay? How do you go about that?
@PhotoDaveJax7 ай бұрын
🏖️ Really thinking about the Amex Hilton Surpass. Mid-level game I guess. 🤔🤷♂️ Was offered 170k bonus points!
@Juliozev968 ай бұрын
Wanted to add a data point here that for the aspire, it looks like the $200 flight credit that is split into $50 quarterly, is already in affect. I bought a flight this month with the aspire and I received a $50 flight credit from Amex already.
@Th33Vultur36 ай бұрын
If I buy something internationally, would it get 3x on everything else with the Hilton cards?
@gilbertnicholas158210 ай бұрын
They should've went semi annual with the flight credit on the Aspire
@allenbilliot255610 ай бұрын
I'm curious about which hotel you stayed at while in New Orleans? My go to is Hilton Riverside.
@peterbrunsgaard201210 ай бұрын
Sucks for me, last year for this card.
@user-lb3ml3tt5f10 ай бұрын
The Aspire changes definitely make me less likely to get that card, as someone who isn't going to take quarterly trips. Higher AF, credits are broken up on both Resort credit and the airline credits.
@thejokerspeaks10 ай бұрын
I wouldn't be surprised to see a premium business card offered next year (The Hilton Perspire!), with boosted small business travel perks, and spend thresholds. I just hope they don't cut shipping like the Amex Business Gold!
@Tomsushi10 ай бұрын
Thanks for the updates Sebby, personally I hate that they got rid of Priority pass on the Aspire but that gives me an incentive to finally get the Platinum. Its also a huge pain to use the $50 coupon credits as a person who doesn't travel every quarter its wasted credits and there is nothing cheap worth flying to from my city. Can we use the new credits now or do we need to wait until a specific date? I may have missed this but did the card design for the Aspire change? It's trivial but I wish the card was metal and even more so because its $550 AF now!
@joshuamcdonough689010 ай бұрын
When is the best time to sign up for the Aspire card? Is it like the Amex Platinum where signing up in the second half of the calendar year gets you double the benefits on the first year, or since the Aspire breaks it up into quarters/semi-annual, it doesn't matter?
@critter77710 ай бұрын
You can match your Hilton diamond status with national executive elite status, fyi. I'm sad for the changes.. on the fence boys.
@rred47 ай бұрын
Tried to get hilton aspire and kept getting pop up so i called in to apply and they said no sign up bonus because i have a delta platinum card and they group their airlines and hotel cards in the same family 🤦🏾♂️ that doesn't even make sense. I have perfect history with amex since 2007 with platinum, gold and delta platinum so i have no idea why im getting rejected for this sub
@AskSebby7 ай бұрын
Thanks for the data point! Crazy if that's a new rule...
@fastfreddie65729 ай бұрын
I got lucky, just got charged $95 annual fee this week. 🎉 🥃🥃🥃
@SuperSonicBaroqueАй бұрын
What’s the “Coupon Book”?
@paulstein91610 ай бұрын
🏝️ Not really a fan of the quarterly coupons. Really annoying to keep track of as I already have other coupon cards to track. I don’t think you mentioned the new SUB’s available on these cards. What do you think of them? To me, the Surpass sub looks like the best one.
@WeiliXu8810 ай бұрын
To me this sounds better. $200 per quarter in Hilton resort fits my family annual plan. I don’t care priority pass because chase side covers it better. Unsure if I can use the CLEAR credits for my parents. If works, that gives us additional savings. The only catch here is how would they categorize the airline spending. We do biz trips through concurs, not sure if those count. But overall, I’m happy with the new benefits. Good video. Thanks!
@webbezzy10 ай бұрын
Hilton management is really bright. They just made the card even better for their loyal customers as opposed to their rivals, Marriott and IHG.
@juanmeowmix153010 ай бұрын
🌂 Can you use the statement credit from the Surpass card to buy points?
@RedDiomedes10 ай бұрын
I’m curious if chase reserve will see a change. The 300 travel credit is fantastic but some of the other draws like dash pass, Lyft pink and instacart+ all expire soon.
@richora200710 ай бұрын
I already have a Hilton but would like to upgrade, can I apply and grab the sign on points reward bonus? will AMEX allow?
@aaronshang576210 ай бұрын
Question: Do I get the Resort Credit if I book for friends/family?
@Adiscretefirm10 ай бұрын
It's several years away, but if I don't upgrade to the Surpass I may have to cancel the Honors when my physical card expires, I just hate the new look that much.
@hookandlateral110 ай бұрын
🏖Most people I know don't even go anywhere when they take time off of work, so asking them figure something each quarter just isn't going to work for them. I think what makes more sense is if you value what you get otherwise enough to offset the annual fee like you were talking about at the end
@SwiftAC9410 ай бұрын
These changes for the Surpass is negative for me. I only got it because of the Priority Pass, which I haven't been able to use since lounges are always full. plus I already have the Venture X for Priority Pass. Probably will downgrade to a 2nd Hilton Honors card. If they kept the Hilton credits together rather than split it quarterly, then I may keep the card.
@thomask503810 ай бұрын
Yeah, I think the changes are a net positive for both the Aspire and Surpass. I do find it annoying that for a "travel" card with a $150 AF, that the Surpass earns at ONLY US gas, dining, groceries and online retail.
@kylecarvalho36239 ай бұрын
Can the 400 Hilton resort credit be used all 400 at one time? U made it sound so in this video
The Surpass is a mixed bag for me. I like most of the changes except the addition of the Clear credit for the Priority Pass membership. As a holder of the Green card, this would cancel out the credit. Still happy to see the free night after 15k spending was retained.
@jimbobimboslice9 ай бұрын
So…what counts toward those $50 quarterly credits? I have the Apsire but am confused. Paying for baggage on flights won’t count anymore right?
@AskSebby9 ай бұрын
AFAIK, anything. Flight itself, baggage, etc. Will update or do a blog post once we get more data points (i.e., do drinks count?)
@frankiehdrum17 ай бұрын
Has anyone experienced this? I just got approved for the Surpass card and now they are telling me to get the 170k intro bonus I have to spend 6k, not 3k. They said it’s split up and you get 95000 after the first 3k and the other 70k after 3k more. This doesn’t seem right to me as I did not see this at all on the terms anywhere. I can easily hit the 6k but still that isn’t what I signed up for. Any suggestions on what I should do? Love your videos too buddy. Thanks for all the info.
@JG9098410 ай бұрын
The quarterly credit will make me have to get rid of my Surpass. Should I cancel it or downgrade it?
@jeffchung683210 ай бұрын
like your long term plan; its basically my current set up
@0017745441910 ай бұрын
Surpass cardholder here. These changes seem like a big win. They've gotten rid of priority pass which is all but worthless and they've added 4 x $50 credits, by which the card pays for itself. Also important is that unlike the Aspire, these credits are good over their entire portfolio. Also the multiplies are very good.