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Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012
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AMEX Hilton HHonors Surpass v. Citi HHonors Reserve

I was recently approved for the AMEX Hilton HHonors Surpass card.  I travel a lot and usually stay in a Hilton owned property, which is why I got the AMEX Hilton and joined Hilton HHonors.  I didn't know anything about Citi's Hilton card.  What is the real difference between the two?  I wish DistantArray was around to tell me the pros and cons of my card and how to maximize my rewards!  He's really good at that!  I like the Priority Pass that goes with the AMEX Hilton Surpass.  Any help is much appreciated!


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

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Established Contributor
djrez4
Posts: 504
Registered: ‎08-28-2012
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Re: AMEX Hilton HHonors Surpass v. Citi HHonors Reserve

Major difference - Citi offers HHonors Gold for as long as you hold the card.  Surpass offers it for one year.

Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012
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Re: AMEX Hilton HHonors Surpass v. Citi HHonors Reserve


djrez4 wrote:

Major difference - Citi offers HHonors Gold for as long as you hold the card.  Surpass offers it for one year.


Wow!! That's a huge difference!!


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

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Valued Contributor
trumpet-205
Posts: 2,494
Registered: ‎11-11-2010
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Re: AMEX Hilton HHonors Surpass v. Citi HHonors Reserve

That and

 

* No FTF

* Having EMV (chip + signature)

* 1 free night each year when you spend more than $10,000

 

 

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Senior Contributor
Walt_K
Posts: 3,065
Registered: ‎11-02-2009
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Re: AMEX Hilton HHonors Surpass v. Citi HHonors Reserve

There's a good write up of the benefits of the Reserve card over at View from the Wing.

Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
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Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012
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Re: AMEX Hilton HHonors Surpass v. Citi HHonors Reserve

I have the Citi AA Amex with a $9500.00 limit.  I wonder if I can PC that into the Citi HHonors card......


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

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Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012
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Re: AMEX Hilton HHonors Surpass v. Citi HHonors Reserve


Walt_K wrote:
There's a good write up of the benefits of the Reserve card over at View from the Wing.

Thanks Walt!


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012
0

Re: AMEX Hilton HHonors Surpass v. Citi HHonors Reserve


trumpet-205 wrote:

That and

 

* No FTF

* Having EMV (chip + signature)

* 1 free night each year when you spend more than $10,000

 

 


Wow!! Thanks for the info!


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Valued Contributor
Epcot
Posts: 2,789
Registered: ‎10-10-2012
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Re: AMEX Hilton HHonors Surpass v. Citi HHonors Reserve


LesWH wrote:

I have the Citi AA Amex with a $9500.00 limit.  I wonder if I can PC that into the Citi HHonors card......


I am also interested in knowing the answer.


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Senior Contributor
Walt_K
Posts: 3,065
Registered: ‎11-02-2009
0

Re: AMEX Hilton HHonors Surpass v. Citi HHonors Reserve

Don't PC unless you are extremely inquiry sensitive. You want to get sign up bonuses.

Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


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