Valued Contributor
Posts: 2,300
Registered: ‎01-22-2012
Re: Upgrade to Surpass

nenuco wrote:

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. 

+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.
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