a blue and red credit card

How I Messed up the $20 Dining Credit on my AMEX Hilton Aspire

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…

a blue and red credit card

American Express Hilton Aspire Resort Credit Applied Toward Restaurant Purchase in 3 Days

Good afternoon everyone, happy Friday.  From June 1 through August 31, American Express Hilton Aspire Credit Card members can now use their $250 resort credit toward restaurant purchases.  To test this out, I made a small restaurant purchase at Panera Bread (through their app) on June 1.  On June 4, the statement credit posted as HILTON RESORT CREDIT.  A 3 day turnaround time for statement credits is pretty standard for American Express.  The one downside with the $250 Hilton Resort Credit is that there is no tracker that shows how much you have spent or redeemed toward the $250 cap.

a blue and red credit card

Changes to $250 Resort Credit & Point Transfers for American Express Hilton Aspire Credit Card (Effective May 1, 2020)

Good afternoon everyone.  I was just going through my recent American Express credit card statements and stumbled upon this upcoming change to the $250 Hilton Resort Credit and point transfers for the American Express Hilton Aspire Credit Card.  Effective May 1, 2020, American Express may reverse statement credits earned if your eligible purchase is returned / cancelled (aka, if you book a refundable hotel reservation to earn the credit, then later cancel the hotel reservation).  American Express may also reverse the statement credit for “abuse” or “misuse” of the benefit and if you do not maintain the eligible card for the entire year (aka, if you downgrade or close your card before the year is over).  These are some pretty specific warnings from American Express.

a blue and red credit card

My Recent American Express Hilton Aspire Credit Card Retention Offer

Good morning everyone.  2 months ago, I wrote Keep, Cancel or Convert? American Express Hilton Aspire Credit Card ($450 Annual Fee).  In that post, I shared that I was offered a retention offer by the American Express rep: earn 10,000 bonus Hilton Honors points after spending $2,000 in 3 months. 10,000 Hilton Honors points is worth about $50 to me and I was planning on keeping the credit card anyways, so I accepted the offer.  A few minutes after the call, I received the following email from American Express.  Unfortunately, the email did not mention any of the retention offer details, but I decided to spend $2,000 on the credit card anyway.

a blue and red credit card

Keep, Cancel or Convert? American Express Hilton Aspire Credit Card ($450 Annual Fee)

Good morning everyone.  As part of my “Keep, Cancel or Convert?” series, I like to evaluate and reevaluate credit cards to make sure they still deserve a spot in my wallet (or credit card drawer).  In today’s post, I will share my thoughts regarding my American Express Hilton Aspire Credit Card.  I was reviewing my recent credit card statement and spotted a reference to the annual fee (it was very subtle and is probably overlooked by most people).  I decided to check out page 4…