Re: Upgrade to Surpass
11-03-2012 09:26 PM
+1. The best combination for most people would be the no AF Amex plus the Citi Reserve. The only exception I can see to this is if someone spends a lot of nights in US Hiltons. Then the 12 points on the surpass vs 10 on the reserve may start to add up.
I think AMEX has a strong entry level Hilton no AF card, which gets you access to discounted point redemptions with the AXON discount. In terms of a Hilton with an AF, I would go with the Citi Hilton Reserve. With that card you basically get the same rewards, but you can net a free night when spending $10,000 a year. Furhtermore it has a EMV chip, which you can use if you travel abroad.
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL