topic Re: Citi Hilton HHonors in Credit Cards

Citi Hilton HHonors

Shock — Fri, 14 Mar 2014 23:07:58 GMT

How do you guys like this card? I think TY points are useless, so I'd rather PC to AAdvantage or HHonors. Can we do this even though they are co-branded?

And if so, do the HHonors points transfer to miles evenly?

I'm referring to the no annual fee version.

Re: Citi Hilton HHonors

newUser0 — Fri, 14 Mar 2014 23:25:48 GMT

Shock - Citi HH with AF seems to be worth for me. It will get you a Free weekend night (After 10K spend) and HH Gold status (Free breakfast, wifi)

Just think, what you want from this card and make right decisions..

Re: Citi Hilton HHonors

Shock — Fri, 14 Mar 2014 23:57:22 GMT

The free night doesnt concern me. I'd rather use everyday spend to build rewards and transfer to miles for flights.

Re: Citi Hilton HHonors

Epcot — Sat, 15 Mar 2014 01:28:37 GMT

I have the Reserve card and I like it. I am able to use the benefits pretty often. I had the Citi AA Amex card and PC it to the Hilton Reserve.

Not too sure on the no AF version though.

Re: Citi Hilton HHonors

Anonymous — Sat, 15 Mar 2014 01:38:31 GMT

@Shock wrote:
The free night doesnt concern me. I'd rather use everyday spend to build rewards and transfer to miles for flights.

I wouldn't recommend the Hilton card to put your everyday spend on - there are much better alternatives. Even your Chase Amazon and Amex BCE card is probably a better deal since it's essentially a 1% base cashback card with bonus categories. Hilton points are worth less than 1cent, with 0.8ccp being the best case scenario for most situations.

Re: Citi Hilton HHonors

clocktick — Sat, 15 Mar 2014 02:11:16 GMT

I have 2 of the Citi HHH no AF cards. I applied for them the same day so to get the sign-up points. After the minimum spend, I have not used them. One tends to get those BT checks but I really have no use for them now. They did give good limits to start out with though.

Re: Citi Hilton HHonors

Anonymous — Sat, 15 Mar 2014 02:27:47 GMT

@clocktick wrote:
I have 2 of the Citi HHH no AF cards. I applied for them the same day so to get the sign-up points. After the minimum spend, I have not used them. One tends to get those BT checks but I really have no use for them now. They did give good limits to start out with though.

when did you apply for them?

how did you get approved for more than 1 citi app within 24 hours?

Re: Citi Hilton HHonors

CreditScholar — Sat, 15 Mar 2014 09:36:16 GMT

If you're thinking about transferring your points to miles, then hilton is perhaps the worst program among the big 5. The ratio is 10:1, and if you're only earning 2 points per dollar on the no AF card, then essentially you're getting 1 mile per $5. That's absolutely horrible. Hilton points should be used at Hilton properties.

Re: Citi Hilton HHonors

Shock — Sat, 15 Mar 2014 16:24:31 GMT

Ahh. This is depressing then lol. I basically want to PC my Diamond Preferred to a Citi card with rewards. Not too fond of the Dividend, and as I mentioned in the OP, I think TY points are useless, especially since I want to redeem for flights. Any suggestions?

Re: Citi Hilton HHonors

Anonymous — Sat, 15 Mar 2014 19:34:56 GMT

@Shock wrote:
Ahh. This is depressing then lol. I basically want to PC my Diamond Preferred to a Citi card with rewards. Not too fond of the Dividend, and as I mentioned in the OP, I think TY points are useless, especially since I want to redeem for flights. Any suggestions?

um you can try to PC to the AA card, but I would suggest you just PC to the TYP card, leave it as is, and sign-up for the AA card and get the sign-up promo as well.

Re: Citi Hilton HHonors

red259 — Sat, 15 Mar 2014 19:44:53 GMT

@Anonymous wrote:
@Shock wrote:
Ahh. This is depressing then lol. I basically want to PC my Diamond Preferred to a Citi card with rewards. Not too fond of the Dividend, and as I mentioned in the OP, I think TY points are useless, especially since I want to redeem for flights. Any suggestions?
um you can try to PC to the AA card, but I would suggest you just PC to the TYP card, leave it as is, and sign-up for the AA card and get the sign-up promo as well.

+1 Its best to just apply for new cards than PC and lose a shot at the bonus. The exception is if you just can't take another HP or you don't care about signup offers/can't make initial spend.

Re: Citi Hilton HHonors

red259 — Sat, 15 Mar 2014 19:54:43 GMT

@Shock wrote:
How do you guys like this card? I think TY points are useless, so I'd rather PC to AAdvantage or HHonors. Can we do this even though they are co-branded?

And if so, do the HHonors points transfer to miles evenly?

I'm referring to the no annual fee version.

I would pass on the non AF Hilton card. To me it doens't seem that great. Eventually I will pick up the reserve card. The two free night signup offer and gold status make it worth it for the first year. Although I do not know if I would keep the card after the first year, since you need 10k spend in the year to get a free weekend night (I would have to research what type of retention offers if any they would make). After the hilton devals I really don't like earning points in their program and would rather put 10k spend in another program. What drives me towards this card is the mid-level status. I'm just not sure if it will be worth $95 to me beyond the first year, but its a no brainer for someone who will def have several stays at hilton over the year but will not stay enough to make gold.

Re: Citi Hilton HHonors

Shock — Sat, 15 Mar 2014 20:00:49 GMT

I spoke with retention a while back, and he did say that he's seen bonus offers with a PC. I guess I may be runing out of options, because flights on American are a little steeper here in San Fran, where United has a major hub. United flights are constantly cheaper given that they are based here...so I don't know.

I'd probably still consider AA for the free checked bag, or the HHonors for the 3x back on gas and groceries and use the points towards a free hotel stay.

Re: Citi Hilton HHonors

Shock — Sat, 15 Mar 2014 20:01:29 GMT

By the way, is there any Citi card good for everyday spending?

Re: Citi Hilton HHonors

Anonymous — Sat, 15 Mar 2014 20:15:55 GMT

@Shock wrote:
By the way, is there any Citi card good for everyday spending?

There is. The TY Prefered / Premier and Prestige may work out for some people, such as those whom have Citigold relationship and happen to fly a lot.

The flight miles coupled with relationship bonus can add up to a lot of additional points, which may sometimes be a better deal compared to most other cards. Then again, most people don't fall under this category. You will need to deposit a lot of money in Citi, fly a lot (preferably international routes), and put a lot of spend on the cards in order to see the bonuses really kick in.

Other than that, the TY Preferred / Premier seems to be somewhat decent as it gives 2x / 3x on dining and entertainment. They are not horrible, but they are not just as good when you compare them to UR / MR. Compared to some other points program, such as Wells Fargo, I would rather go with Citi's TY program.

Re: Citi Hilton HHonors

Anonymous — Sat, 15 Mar 2014 20:16:45 GMT

@Shock wrote:
I spoke with retention a while back, and he did say that he's seen bonus offers with a PC. I guess I may be runing out of options, because flights on American are a little steeper here in San Fran, where United has a major hub. United flights are constantly cheaper given that they are based here...so I don't know.

I'd probably still consider AA for the free checked bag, or the HHonors for the 3x back on gas and groceries and use the points towards a free hotel stay.

3x HHonors = 1.5ccp. You're essentially just getting 1.5% cashback and those points must be redeemed towards Hilton properties, which requires a lot of points per night. You are better off getting a cashback card and putting the spend on that.

Re: Citi Hilton HHonors

scenery_guy — Sun, 16 Mar 2014 07:06:43 GMT

I have both no fee cards, the Amex and the Citi. I try to have a hotel card for every chain I tend to stay at for my travel just to maximize the points. They both suck at earning from spend daily, no chance I would use either as a daily use card. I don't really like the HHonors program to start but many of the places I travel always have a Hilton property with availability. Based on that the Amex version earns 7 points per $ and the Citi earns 6 points per $. About the same really. You don't get into much better rewards until you get a AF card and to me it's not worth the AF to double the points (after saying that I will end up spending an ungodly number of nights at Hiltons this year).

Don't PC. Get the signup bonus for whatever Hilton card you pick. The point redemption sucks so you need the bonus to make it worthwhile.

Re: Citi Hilton HHonors

Shock — Sun, 16 Mar 2014 11:40:53 GMT

I really like the Premier. 3x back on dining 2x on plane tickets. But the 125 annual fee pretty much nullifys my rewards. I am not a heavy spender by any means, so after the first year it wouldnt be worth it for me..and the TY preferred is only 2x on dining and no duble points on airfares. AHHH. Citi's products suck...:/