Good morning everyone, I hope your week is going well. One of the current card benefits of the American Express Hilton Honors Aspire Credit Card is the $20 monthly dining credit. Unfortunately I ran into an issue using this card benefit in April on 2 restaurant purchases (In N Out Burger and Panera Bread). As you can see, I never received the $20 dining credit for my April purchases, but I did receive the credit automatically in May, June, and July. Based on my transactions, the $20 dining credit posts ~3 days after the restaurant charge posts to your account. I contacted AMEX on May 1 and again on July 13 to check on the status of the dining credit and received conflicting answers. Here is what I was told and what I learned…
Here is my AMEX Chat from May 1, 2021:
- Grant: I am checking on the $20 dining credit on my Hilton Aspire CC ending in XXXXX. The dates are 4/26 for In N Out and 4/27 for Panera Bread.
- AMEX: I see that you reached out to us today as you are not seeing your US restaurant transaction on your account.
- Grant: Yes, correct.
- AMEX: Oh, thank you for letting me know about this matter. Let me go ahead and check your account here with us.
- Grant: I’m not sure why the credits didn’t post, did I do something wrong?
- AMEX: Let me quickly check on this to see why credits aren’t posted. One moment please.
- Grant: Thank you for looking info this for me.
- AMEX: Upon reviewing the transactions, you actually don’t need to worry, as transactions are indeed eligible for the credit. It’s just that, we do post the statement credit to the account 8 to 12 weeks after the eligible purchase posts to the account. So, please allow our system that time frame, in order to recognize the charge for the credit to be applied.
- Grant: Wow, 8-12 weeks. It was a lot faster last month.
- AMEX: That was the standard turnaround time for the credit to post. But you are right, the credit can be posted a lot faster. But since we do have the standard turnaround time, we will need to wait for that before further investigating.
- Grant: I understand. I will look for the credits to post in the next 8-12 weeks. Thank you for your help.
- AMEX: I appreciate your understanding regarding this matter, Grant! Rest assured that transactions are eligible, so you can expect the credit within that timeline. Is there anything else though that I can help?
- Grant: Nope, that is all for me today. Have a great day :)
- AMEX: You too, Grant! Thank you for your card membership. Please click on the X in the top right of the chat window to end the chat. Stay safe!
AMEX stated that the transactions were eligible, but I was told to wait 8-12 weeks for the credit, even though most of the time the credit posts in 3 days.
Fast forward to July 13, 2021, here is my second AMEX Chat:
- Grant: I am checking on the $20 dining credit on my Hilton Aspire CC ending in XXXXX.
- AMEX: Can you please confirm the transaction date?
- Grant: Yes, In N Out Burger on 4/26 and Panera Bread on 4/27.
- AMEX: Got that. Thank you for that information. Please give me a minute to check on this further.
- Grant: Thank you.
- AMEX: Thank you for waiting. I can see that respective transactions didn’t earned statement credit, I am verifying details as to why it didn’t receive any and what further step is needed for us to.
- Grant: Thank you, I think the issue is that I made 2 transactions to meet the $20 credit. All other purchases that were $20 or more posted automatically.
- AMEX: Regarding that, though there are two separate transaction, those should be eligible if they reached $20. As we check here, both transactions has a total of only $19.10. Since terms of promo include that you should make at least $20 purchase or more, since it didn’t reach the required amount, transactions didn’t receive statement credit.
- Grant: Oh, so I had to spend at least $20 to receive the credit? I thought it would credit any restaurant amount up to $20.
- AMEX: Yes Grant. That is right. “You will earn one $20 statement credit each month after spending $20 or more in combined eligible purchases on your Hilton Honors American Express Aspire Card at US restaurants (including takeout and third party delivery services) per month, during the Purchase Period, up to a total of $220 in statement credits.”
- Grant: Got it, that makes sense. Long shot here, but is there any chance you could give me a goodwill credit for $19.10 to cover those 2 purchases? I guess I should have spent another 90 cents to meet the $20 threshold.
- AMEX: Grant, I understand where you are coming from and the importance of this matter however I am afraid that we don’t have further access to cover them from our end.
- Grant: Bummer, worth a shot. Thank you for explaining the issue and I have learned my lesson to spend at least $20.
- AMEX: If only we can have it covered, we won’t be hesitating to do it for you. You are very much welcome, Grant. As always, you know where to find Amex whenever help is needed. Stay healthy, and have a great day! Bye for now.
According to the second AMEX rep, I only spent $19.10 on qualifying restaurant purchases and I needed to spend at least $20 to trigger the $20 dining credit. I was under the impression that any amount of qualifying dining purchases up to $20 would qualify. For example, if I spent $5 on a Subway sandwich, I would receive a $5 dining credit. Likewise, the $100 Dell credit on my American Express Business Platinum Card would give me a credit of up to $100 toward Dell purchases. For example, if I bought a keyboard on Dell for $50, I would receive a $50 Dell credit.
Long story short, the way AMEX handles the $20 dining credit is more like an AMEX offer for $20 statement credit after spending at least $20 at any restaurant. Now that I know how AMEX handles this credit, I will adjust my spending to only use the AMEX Hilton Aspire for a restaurant purchase that costs more than $20 (or do a split check and put exactly $20 on that credit card). Learn from my mistake and don’t mess up any of your dining credits!
If you have any questions about how the $20 dining credit works, please leave a comment below. Have a great day everyone!