The Ultimate Hilton Credit Card Setup for Maximizing Free Night Awards

I have Hilton Aspire didn’t know you stack Aspire cards, need to learn more about. I have the Aspire if I applied for Surpass would I still receive welcome bonus.

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Do the welcome bonus count towards 2million points for lifetime diamond? (10 years diamond status also needed)

If I book a hotel stay via an airline website, will this trigger the airline credit? I recently booked a hotel stay with Amex Gold on BA website, it was coded as airline fee and gave me 3x back. I wonder if that will work on the Aspire card.

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🥥 hello Sebs. Is there a better way to stack the resort credits? Say I'm heading to one of the resorts later in the year, currently still have the 2024 $200, early next year, and later next year. Is flex rate the key to keep delaying it until ready to use? Thanks

🥥 Awesome video!

Can you get 4 or 5 Aspires without a P2?

Thanks for you information 👌🏽😊

🥥 how difficult is it to upgrade the Surpass & Base card to Aspire?
I would do the triple Aspire
Even as a business owner

I think they changed the Business card for the better. If you spend $15,000 on the now you receive 75,000 points which is more than most 1 night exchanges. With their points plus money option, any quarter that you book a hilton you can use the $60, otherwise buy a $50 gift card that never expires. This strategy effectively more than eliminates the annual fee. It also takes the pressure off seeking a high value night before with the fnc certificate within a year of expiring. Additionally you can't get the 5th night free when you use an fnc, so I'd rather have 75,000 points to use.

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I'm struggling to use the $50 gift cards at Hilton hotels. I see online that this issue isn't unique. Is there something I overlooked?

Question…if I primarily fly out of EWR and they are a united hub would it make sense to use Chase over Amex? I find that Amex partners primarily go out of JFK which is a last resort for me.

Curious, are you still ineligible for surpass welcome bonus offers if you've had the aspire?

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Trying to strategize doing a Hilton card set up for a bora bora trip. Once you get the FNC, you have a year to use it, right? Does that mean book within a year or complete the stay within a year?

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We're looking for a new preferably business card specifically on gas spend we're putting together a new mobile Lounge we're going to be spending a lot of money on both gasoline and diesel fuel do both power the lounge and travel around any recommendations would be helpful prefer Chase or American Express but we're open to all options

🥥🌴🥥 Thanx Sebby, another banger!

Need to figure out hacks for resort credit. Anyone know a good resource?

Slow down didn’t understand anything 🤦🏻‍♂️🤦🏻‍♂️🤦🏻‍♂️

🥥 Do you know if I product change into the aspire card, will the free night cert be available each year around the time I product changed or the orignal time I signed up for the surpass?

🥥🥥 Great video as always! I plan to get all 3. There’s no reason to not get the Honors, the Surpass is great for everyday spend towards a free night. The Aspire is great for 14x on paid stays and an annual free night. I stay at Hiltons at least 4-6x annually so I can make use of the quarterly credits. If I could earn two free nights I’d book at the Hilton at Park Lane in London. That place looks cool and has a nice restaurant with elevated views of the city.

In any quarters where you’re not staying at Hilton’s just pick up the $50 gift cards for the Surpass. The $200 is an easy credit. I have the Aspire, Surpass, and Business. The Business is now not a good card. We’ll keep the Aspire and Surpass and we do put spend on the Surpass. Agree on Diamond over Gold. The upgrades can be great, even at US hotels. We did have the $40K spend this year, so will downgrade our Aspire to a second Surpass and then upgrade back the following year.

Currently running the Marriott Biz card, Delta Reserve, regular HH, and Aspire x 2

🥥 While this setup makes sense and I intend to transfer my Membership Rewards points to Hilton (or at least the bulk of the points) for what I earn through the American Express Platinum Card and the American Express Gold Card, I just got the Platinum Card in the mail today and the Gold Card in May

I am almost done with the minimum spend on Gold Card and will be working towards the $8,000 for the Platinum Card soon

Since the Platinum Card and Gold Card have recently been added to my wallet, I might consider the Hilton cards next year, since I don’t anticipate renewing either of the charge cards I have (especially with the anticipated changes coming to the Gold Card)

I don't have any Amex cards. My first I'm looking at the Surpass or Marriot Business. I don't like Coupon cards

Can you buy a Hilton gift cards at the hotel?

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Squuuuuuuuuuad

Great video! I just called in today (before watching the video) to close my Biz Hilton. They Nerfed the card and I have no need for those annoying credits, Oh well! Good stuff!

I know the u tied trick for the airline credit. But what’s the southwest trick

Great video Sebby! Have you heard anything about any changes at WA Maldives? Their calendar still isn’t open past March 2025. They can accept reservations for cash rates via email, but not for points. I’m hoping they aren’t about to have some change that takes them out of play for points stays…

If you’re not a Hilton loyalist, I feel like Stan’s 4 Marriott card strategy would be better. Although, you do have to mix two different lenders and the award nights are capped.

I'm working on my Hilton set-up for my honeymoon next year. I just got the annual fee free Hilton card. I'm applying for all 3 personal cards. My plan is to upgrade the annual fee free Hilton card to the Aspire. We will use the Surpass to pay for our catering. That will give us 4 FNC!

Agree with Sebby, this card is overpowering IF you know what you're doing. P2 and I have 7 aspire total, planning for WA Maldives next year.

when you stack certificates like this, are you able to keep the same room usually?

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P2 and I both opened the HH and Surpass for the FNC bonus with the long term goal of holding 3 Aspires each......seems like a lot to manage but the way I see it is, if I can redeem the FNC's for rooms that would normally cost $550 I've already broken even....every thing else is just icing on the cake.  

Sebby do you play the upgrade/downgrade ladder strategy with your Aspires? I'm tempted to try this but part of me thinks I'd rather have 6 Aspires all year. Thoughts?

🥥🥥🥥 Hilton. For the Stay.

Best hotel car duo in my opinion

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1. Yes, stacking aspires makes sense to get multiple stays out. Having 2 aspires, can get you 3 2-night stays (2 with FNCs, 2 by splitting 200 credit at resorts). Airline credit a big bonus which I'll use for united.

2. I have an amex blue cash everyday which I use for groceries. I recently got hilton honors and hilton surpass for the SUBs, and planning to upgrade them next year, with the goal having 2 aspires in the end. Also planning to get 2 delta platinum for the companion flights and delta stays and resy credit. These will be my 5.

3. Mariott doesn't seem to be this generous with rewards so will opt for hilton.

Your videos have been very helpful and have been the reason me recently getting a IHG premier, hilton honors and surpass cards!

good information thanks.

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1. Yes stacking hotel cards for a 4-6 night stay at a bucket list location means that the juice would be well worth the squeeze.

2. 4 Aspire cards and a BBP and the same for P2.

3. I don’t yet, just the BBP as I can’t decide. Do you find Marriott or Hilton to be the better program?

I have a big family trip and was consdering hyatts since I have saved up a bunch of chase points but have a large spend due to my business and considering going the aspire route, the bookings available are preffered nights not standard nights since they are holiday, can you redeem a standard night cert and top off or does the night only count for standard?

🥥Excellent video Sebby.

Never been this early