@icyhot wrote:
As stated before, I've gotta zero use out of my Amex Delta since I got it, I paid my rent got the bonus and that's been it. I use heavily and PIF my Hilton like a mad man. I know the CL allocation with Amex is that the donor card must be 13 months, so if I was to roll the Delta CL into the Hilton AFTER I pay the AF, would the refund it? Also, is there any significant difference between the no-AF Hilton and the Surpass that would make it worth upgrading?
You should get a pro-rata refund for the rest of the AF that you did not use. In terms of the no-Af hilton and the surpass you should look at your spend. With the surpass you earn at a better rate and there are some other benefits like if you need gold status etc. Also, if you don't want to do a new app for the bonus I would wait and see if there is an upgrade offer that you can get some extra points by upgrading.
;