Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
- My Top 5 Hilton Category 2 Hotels for Award Stays
- No Annual Fee Cards + Personal Finance: Why You Need (At Least) One
- Get an Easy $600 with the Discover It Card
- DTMFA: Barclaycard Arrival Plus. Still a good card?
- I’m dumping the Chase British Airways Visa – and you should, too
I sense an app-o-rama coming on after pondering the benefits of the Discover It card. And now the Citi Hilton Visa has its highest-ever 75,000 point bonus. I heard this offer was ending on August 31, 2015.
Some cards simply aren’t worth keeping any longer, like the POS that is the Barclaycard Arrival Plus and the completely, utterly, insanely useless Chase British Airways Visa (RIP to both. I’ll bury you next to Club Carlson).
But, out with the old, in with the new.
What’s so dang special about the Citi Hilton Visa?
For one, its earning structure:
Are they crazy? 3X at drugstores is asking for it, no?
If I max out the $4,000 limit on PayPal My Cash cards, that’s 144,000 Hilton points per year ($4,000 x 3 points per dollar x 12).
Maximizing Hilton points
If I’m strategic, each month I’d earn 2 nights at a Category 1 property or 1 night at a Category 2 property… and there are a lot of Hilton Category 2 hotels all over the US and Europe.
If I’m doubly strategic, I can save up some points and get the 5th night free on a 5-night award stay.
5 nights at a Category 2 hotel costs 40,000 points. So the sign-up bonus alone would be good for 10 nights at Category 2 hotels.
And 20 nights at Category 1 hotels! Useful if you want to go off the beaten path.
I wish it offered an ongoing annual benefit for renewal, but since it’s a Citi card, you can’t rule that out. Citi is known to have generous, aggressive retention offers.
Because it’s a no annual fee card, you can get the points and throw it in a drawer if you hate it. And let it age your credit accounts.
A good deal considering it doesn’t have an annual fee – but not as good as the Amex no annual fee Hilton card.
Still, for 75,000 points… I’m thinking of pulling the trigger on this one.
So interesting to see the sign-up bonuses on various cards come and go, benefits get added and taken away, devaluations, and new perks… and how they all tie in together.
If you can live with Hilton’s categories, maximize the Category 1 and 2 properties, and take advantage of the earning structure, this card might be a good one to add to the arsenal.
If you hate it after the initial sign-up bonus, who cares? Throw it in a drawer and let it age your other credit accounts. And Citi is known for retention bonuses, so you might get an annual injection of Hilton points by calling and asking.
I’m thinking of doing it… 5 nights for the price of 4 at a Category 2 hotel costs 40,000 points, so the sign-up bonus on this card right now would be good for 2 such jaunts.
Is anyone else thinking of getting in on this offer?
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- Capital One Venture X Rewards - Earn 75,000 Venture miles plus a $300 annual statement credit for travel booked through Capital One
- Chase Ink Business Preferred - Earn 100,000 Chase Ultimate Rewards points after you spend $15,000 on purchases in the first 3 months and 3X bonus points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
- Amex Blue Business Plus - Earn 15,000 Amex Membership Rewards points and 2X bonus points on up to $50,000 in spending per year with NO annual fee
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