Which Amex Hotel "Keeper" Card Should You Get?
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- Опубликовано: 24 авг 2024
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Comparing the Amex Hilton Aspire, Hilton Ascend, Hilton Business, Marriott Bonvoy Brilliant, and Marriott Bonvoy Business cards.
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You missed the Bonvoy Business super power, it doesn't count against 5/24. That is why I went with it. Got in on the introductory offer 95.00 annual fee waved 1st year and 100k sign up bonus.
If you are active duty get all the top tier cards with downgrade paths! We don’t pay annual fees.
I just got my Sapphire Reserve and it automatically waived for my active duty. I had to call AMEX. Now for this one.
duggerboo is this real? I’ve heard that companies wave the annual fee for active but I wanted a solid answer before I applied. I called Chase & AMEX, they wouldn’t tell me straight up yes or no.
@@Zydek28
100% I am an E5 in the USN. One day i was mentioning my credit card i got from NFCU for traveling and my XO whips out his metal cards lol. Then he told me about them. I first applied for the AMEX PLAT last June. Back then they still had a good priority pass. Then they dropped a lot of companies so last month i applied for the Chase Sapphire Reserve. It arrived in one week. I applied for both via credit carma. For the both of the i wasnt automatically approved but about a week later the cards arrived. For AMEX i called to activate and give my dod id number and EAOS. For chase, it was automatically waived when i enrolled online. I called to verify.
Marcus Zydek Look up the Military Lending Act, it’s true. Jake Broe is another YTuber who does videos specifically for active duty folks.
I’m AD and got the Amex Plat, probably going for one of these hotel cards next.
Hitlon Aspire is insane value is someone is a Hilton loyalist. -$300 EAF in year 1 and -$50 EAF in year 2 with a free night and top status. Such crazy value.
If you don't get the Aspire, the Ascend is a keeper, because you can get far more than the fee back in free breakfasts (often quite good ones too) at Hiltons. Also, if you don't want to carry a lot of cards or keep track of which card to use for what, it's the only uncapped 3% equivalent card for gas, grocery, and dining (all US only), plus 1.5% for everything else.
"I'm not gonna go into what a keeper card is"
*Completely describes a keeper card*
That was the TLDR description
Have the Hilton Aspire... Excellent value (for me)
I'm over 5/24.
I have the Hyatt one. Going to get the Hilton Aspire.
I’m also over 5/24. I can’t get the Amex Bonvoy due to the fact that I have the Chase Marriott and Amex Luxury / Bonvoy Brilliant Card (one way rule).
My eyes are on the Hilton Aspire Card and will apply for that soon.
Already have the IHG Club and Premier, Hyatt too.
Genki Dama I am over 5/24 as well, I actually think if I had Chase slots I would get the Hyatt card, IHG card, a United card, The CSR and a Freedom. Since there is a Marriot one lane rule where you can only get Marriot cards from either Amex or Chase, it makes more sense to get all the marriot and hilton cards from Amex. and use Chase only on cards that have no other alternatives.
The one lane rule stinks. Need to decide if I can product change the Chase Marriott to the Ritz Carlton after the one year anniversary.
I don't think you can product change to a Ritz as that's a discontinued card.
It’s was possible to product change to the Ritz as long as you have had the Chase Marriott for at least a year. I’ll find out in about 6 months after my 1 year anniversary.
I have the basic Hilton honors, got it just for the 100k bonus. But if the 150k bonus to upgrade is still available after this year, then I will upgrade for the points.
wow great video im in the credit mid game already i love this information so if i applied for the hilton card i will definitely use your referral links.
I currently have the Hilton Aspire and the Bonvoy Business with plans to apply for the Bonvoy Brilliant mid April. After watching this video, I’ll probably cancel the Bonvoy Business after the annual fee posts. I stay at Hiltons and Marriotts enough each year to get great value from the Hilton Aspire and the Bonvoy Brilliant.
Editing on this one is fire lol. Great video as always
I am here to listen to what the Hilton biz card has to offer. I am under 5/24 and looking for another amex business card to keep me under 5/24.
I'm getting the Aspire.
I have the Hilton aspire card and I do not plan on giving it up due to its overall value!
@asksebby Why did you say the Hilton Aspire isn’t that top on your list? 7x on restaurants is pretty damn good!
That Aspire card looks NICE 🤔
I have Bonvoy brilliant card and Chase IHG premier card. Only hotels card I want is Hyatt card.
Edin Tarafder Hyatt card defiantly worth it and Hyatt has lots of ways to earn free nights. Visiting 5 different types of Hyatt being one of them.
Prior to seeing this video, I was looking at the Hilton Business card.
I have the Hilton honor card I stay more at the Hilton but would like to switch it up to the Marriott card, which one I’m not sure
I have the Hilton Aspire card. Works for me because I travel a lot for work and stay at Hiltons so I enjoy having Diamond status. Also I don’t pay an annual fee so it’s almost a no brainer
Thanks for another great video. What are your thoughts on the advanced keeper card play with 1) marriott brilliant 2) upgrading Marriott Amex to Brilliant in year 2 3) Hilton aspire 4) upgrading Hilton honors to aspire in year 2 and 5) ascend to aspire in year 2? Still viable in 2019?
Wouldnt you want to also include the diamond status point gain on the aspire at hilton properties?
Applied for the Bonoy Business yesterday, excited for it
Suraj Rampure what was your credit score and limit if you don’t mind sharing
I got the SPG personal (Bonvoy card) idk if I should keep it, I also have the Ritz-Carlton Card, which I will definitely keep. Any suggestions?
Not traveling now but I just like this Sebby guy talk about cards. Question for all, what is the point of having CSR when Aspire gives you all CSR gives and more?
I think it's because the UR points value for CSR is completely different from the Aspire, but if you don't see value in UR points (besides the sign up bonus) then you're right, there is no point.
I don't understand how everyone is so excited about the 250$ Resort fee credit on the Hilton Aspire :( Is everyone really visiting an eligible hilton resort each year? They're so rare.. Or am I missing something?
Cyril There are some really nice hilton resorts, I am currently on my first ever redemption, 7 nights at the Waldorf Astoria Grand Wailea in Mauii... 4 nights on points + 5th night free + 2 weekend nights from the Aspire and the Ascend, and I am totally sold on the value of the Hilton cards benefits... Really nice property, amazing service, with Diamond I don't even need to ask for an upgrade, they automatically upgraded us to an ocean view room for the 7 nights, if you enjoy resorts, the credits are really easy to use, eating or drinks or theres lots to do on property... Hilton is basically currently my favorite hotel ecosystem now... Nice thing also is that whenever you book with points or certificates, the resort fees are automatically waived...
I have Chase WOH. I have been using it for most of my every day spend, but it occurred to me that if I have the CFU, CFF, and CSP (which, I do) then doesn’t it make more sense to use the CFU for my everyday spend and then transfer my UR points earned from the everyday CFU spend, to my CSP, and then transferring those points to Hyatt? That way, I would earn 1.5 cents per dollar spend that I can use towards Hyatt rather than using my Hyatt credit card for the spend and only earning 1 cent per dollar spent?
Commenting to support as usual, but great keeper card videos Sebby, very insightful! I think I'm gonna go for the Aspire once I get over 5/24.
Thanks for the support! :) Aspire is definitely worth getting once you're over 5/24.
Ask Sebby Does it make sense to burn a 5/24 slot to get the Aspire Card? I already have Freedom Unlimited and CSP which I plan to upgrade to CSR by years end.
@@JavierRamirez-eq5tf I had the Chase Preferred and the Freedom Unlimited when I got the Aspire. I thought it was too good to pass up. Never know when they will nerf it, best to be grandfathered in.
sebby flexin wit dat 3 hunnit
Sebby: Have we seen the last of the Arched "feel free to share this video with them..." fingers? Tragic loss. LOL!
I’ve always been curious. If you have any mid or high end hotel status e.g. Hilton Aspire card for diamond status, does the people working at the front desk of the hotel know if you have this status level because you have a certain credit card (compared to status based on spend/paid nights)?? Was wondering if some people don’t get upgrades even with status because hotel knows that you have it because of a CC and not because you necessarily stay at the hotel brand often. Does anyone know? Thanks.
Going to Hawaii in may I just got the ascend, kind want the aspires now what u think I should do? Can I get aspires after getting the ascend
Question Sebby
Which is better , Marriott bonvoy by Chase or Marriott bonvoy by Amex?
Thanks, Ask Sebby
I wonder when Amex will be mailing out the Marriott Bonvoy cards for those of us that had the SPG card?? I did get an ofger in the mail for the Amex Hilton Ascend card, but it doesnt come with a free night so that makes me kind of not want to get it even though the sign up bonus is 150,000 points
One Amex rep told me they would be sent out in early April.
@@AskSebby Hopefully that ends up being true
Falco64 AMEX mailed me the same offer a couple of days ago. Then they sent me an email telling me that I’m losing my Gold status as of April. I thought I had the status through the end of the year. Oh, well. I’m waiting to apply for the Hyatt card.
Don't know the Hilton aspire card was that good. I'm thinking about it now.
As soon as a lot of people get it they'll take away 90% of their benefits just like the Uber card. That's all this credit card game is.
Ehh. I feel like this was a bit biased. How could you call the aspire an 's' over Marriott? You're limited to only weekends. That's put such a limit on you.
Most people that go on vacation travel on weekends due to work. I think every single vacation I have taken in my entire lifetime, has consisted of staying at hotels over a weekend day.
@@karelcamacho5428 idk about you. But I usually go on vacation a minimum of a week. Almost always spending significantly more time at a property during week days then weekends. Weekends are absolutely part of the trip. But usually on 2 of my 7 day trip
How do you use the Hilton Airline Fee Credit?
Question.
I’ve heard that the Amex gold and the Amex Platinum don’t count toward the 5/24 because there technically charge cards not credit cards. Does anyone know if that’s true?
Also, I’m an authorized user on a few cards for example the chase sapphire Reserve. Does being an authorized user effect my 5/24 status??
No. Any new account ( Authorized user or primary) through any issuer counts towards 5/24.
Nate Tulchinsky asksebby told me as part of a consult that even though I’m at 4/24 and my spouse recently added me on her CSP, that I still have one remaining slot with Chase.
Psa: Apparently if you’re over 5/24 because of an authorized user card. You can apply and when you get denied you call the reconsideration line and tell them about the authorized user cards and they will give it to you.
Bonvoy business raking in points and nights while these other cards hanging out in the sock drawer
Going to Hawaii this year. What card should I get?
Why so hung up on chase slots? May have been true in the past but the reserve nor preferred are really worth it anymore outside minimum spend bonus
For a lot of us once we hit 5/24 it is hard to get back under. It doesn't make sense for me to lock myself out of 1 of the top 2 cc rewards programs just because amex currently has better multipliers aside from hotel reservations. Chase can always change their multipliers just like amex did, ie freedom unlimited. Also chase has a lot of great partner cards.
I’m Amex fanboy all the way but It would be crazy to say that the chase sapphire reserve isn’t a beast of a card. If I just had 1 total card, It would be the chase sapphire reserve
@@terrencetroope Can you elaborate a bit on why CSR is a "beast of a card" for you?
This video sells me on the AMEX Hilton Aspire card. I do however think on the Aspire credits, the Hilton "resort" credit makes it a little harder to use and therefore offset the annual fee. However, I am looking forward to paying $450 for Hilton Diamond status!!
8:44 - LOL But I do think that explains Marriott's thinking regarding making status harder to get and devaluing the status levels. Just FYI for most people, at a lot of the lower to mid-tier properties Marriott offers free breakfast (Fairfield, Residence Inn, Towne Place Suites, etc).
7:18 - Citi Prestige can replace the CSR for US Restaurants comparison (8.5% ROS), both it and the AMEX Gold take the mark for dining!
7:24 - Hilton Ascend getting 6x on Gas (4.8% ROS) is an interesting value proposition. Next closest point reward card is the AMEX EDP (with the 50% boost) at 2x (3% ROS).
Is the ranking based on Naruto's task difficulty?
Joey Jiang 😂
If AMEX does not allow you to qualify for the welcome bonus, which card is a better keeper card, AMEX Aspire or Surpass?
I have the Hilton that has no annual fee
Would you get a chase & Amex Marriott card
What if I can't currently get chase cards because of no SSN
Fun video idea: What would you do with 2 million Amex points?
What are "grinder" cards?
If I just earned a bonus with the blue cash preferred a month ago can I still earn the aspire bonus?
Aren't we safe on the 5/24 chase if we only get business cards instead from Amex ?
Hey Sebby, I'm over 5/24, but I have an offer telling me that I'm approved for the sapphire preferred in my Chase portal thanks to my preexisting banking relationship with Chase. Does this offer circumvent 5/24?
In case anyone is wondering, I did get around 5/24
Thank you
Just got the Marriott business card with the waived first year and discounted second year annual fee thanks to Sebby. :)
High quality video again! Referring back to your “maximizing Hilton card bonuses” video, do upgrades not have the lifetime language?
If I could not spend gift card, how can I sold it?
If you already have the Hilton Ascend card, can you still get the sign up bonus for the Hilton Aspire card?
I thought that AmEx limited customers to one sign up bonus per partner hotel chain.
Yes, you can. Amex has a once in a lifetime rule for each product, not family of cards. www.asksebby.com/blog/rules-to-know-for-american-express-credit-card-applications
@@AskSebby Cuncur. I got Ascend two years ago. One later, I got Aspire and got all bonus points. Then, I closed Ascend.
I just got an offer last night for the Ascend Card. Offer is for 150,000points for 3k within 3 months. Currently have the amex gold and amex plat. Would this be a good replacement for the amex gold since the point category are very similar and better in some area.?
@@vishnu2699 I know that, however the multipliers are higher on the hilton cards than then gold and plat, I don't travel outside the country often so I am not utilizing amex points as I should (1st class international) In fact, I am sitting on 200k amex points because I haven't found a deal on points, however I do travel often within the states and stay usually at hilton hotels. Most of my spending comes from U.S. restaurants and supermarkets so I could see myself stacking up hilton points quick and using them more frequently as opposed to the amex points. Mostly have the platinum as an status card, and lounge access so that could stay I was to swap for gold.
Do not confuse Amex MR point with Hilton Honors points. The ascend and aspire card give you Hilton Honors points and not MR points
Hilton Aspire looks amazing. Don’t you get a free night immediately when first signing up for that card? Also, for the Aspire or Marriott cards, if you add player two do they also get free anniversary nights? I really really really want to get the Aspire.
Is it Hilton or Amex points?
I have Ascend now, can I apply the Aspire while keep holding Ascend? Thanks!
Yes you can. I have both
@@clearedfortakeoff7794 Thank you! So you have 2 of weekend free night, right? :)
There is no annual free night with ascend unless you spend $15k/year. The reason i still have ascend is because when i applied last year, they were offering a free annual night if you pay secone annual fee.
Why doesn’t it make since to pick up the American Express cards untill after you’re done with chase?
I’m only 2 out of 3 with chase so I still have 3 slots to fill but I’m interested in getting the Hilton aspire or the Bonvoy card. Why would it matter if I get the Bonvoy card now with Amex and get the chase cards later?
Chase has a 5/24 Rule. No more than 5 cards from any bank in 24 months. Fill up the slots with all the "worth getting" chase cards, then focus on all the other Banks.
Carter because chase only allows you to open five new credit card account in 24 months regardless of who they’re from; chase, Amex, bofa, Citi, etc. If you’ve opened more than 5 cc in 24 months they will automatically deny you for a new cc with them. Amex does not have that rule. You can get an Amex even if you’ve opened 5 credit cards in the past 24 months.
You can add amex business cards if you are working on your Chase 5/24 cards which will not affect your 5/24 status. I have added 2 amex business cards and may add the Hilton business as well, been back and fourth, but this all depends on how long it takes me to hit my min spend on the 2 cards I just recently got.
james12490 wow I did not know it was 5 card from ANY BANK. I thought it was just chase banks. Geez I’m shocked. So glad I to find this out now. Thank you!
I’ve heard the Amex gold and Amex Platinum don’t count towards that because there technically charge cards. Do you know if that’s correct?
Nick Armstrong hey thank you for the reply. Okay so you’re saying apply for 2 chase cards within the same hour. I’m assuming because your avoid multiple hard pulls.
But then you’re saying apply for 2 or 5 more cards Amex cards a few hours later as well? Effectively taking my other chase card spots. Why take the chase card spots with Amex cards?
I wonder if anyone counts how many times ask sebby says "make sense" lol. that's all i hear - anyway, I appreciate the content because I've made the most out of my sign up bonuses since graduating grad school (never traveled until now)
Bandana😛
quick question : i dont have a ssn but have a US issued credit card with a fairly decent limit for the past 8 months . i am not a US resident also. i thought credit scores do apply in my case . i think i should have a credit score by now . any ideas why i dont have a FICO score yet? love ur channel by the way .
I got the old $95 SPG card (now Amex Bonvoy, no new apps). And I got 75k Marriott points. That was 7 months ago. Do I qualify for the 100k on the new card if I apply? Or I can’t because I got a bonus. But the terms says only bonus from the luxury card and chase cards voids this offer, nothing about old SPG card. Ideas?
Jiajian Hou you still qualify for the 100k on the brilliant. I got the spg in Nov then the brilliant in February and I received both bonuses.
james12490 what would you do with the $95 card? Cancel it? They totally over lap. Or just keep it for one free night?
Jiajian Hou keep it for the free night.
james12490 alright. But I just got the delta platinum card last Friday! Could I still apply for this? 2 cards in 5 days?
Jiajian Hou for example, today I’m going to San Diego to visit some friends. There’s a beachside property that’s 35k points but the cash value is $283 before taxes and fees so $95 is definitely worth it.
could I still get the spg personal card if I applied before the deadline (got declined so could I still call re-con?)
Recon up to 60 days.
This entire video is based on Mariot.
Meow meow meow meow meow meow meow 💜
#showmethemoney
Keep all :)
Stop flexing with all that cash seb! Haha. I have the Bonvoy brilliant and the Bonvoy cards. The brilliant is definitely worth it for me because of all my “staycations”. I used the $300 credit with in the first month for two different hotel stays and I used my signup bonus from the Bonvoy to book a room at the Ritz in half moon bay. If you were only going to get one I would def go for the brilliant if you travel to see family or friends or just take a couple trips a year.
Harybackmary Yup.
@@james12490 hi, my app for Brilliant was instantly cancelled due to many cards. Rep at the app status dept did some research told me various reasons (1. too many cards which they verified I don't, 2. Two in-progress status of available credit reallocation which in fact were completed and they said they should affect the Brilliant app) and at the end, they said the Brilliant is duplicate of the Bonvoy which I was approved in 2/3). When did your Bonvoy and Brilliant got approved? Or, was the Bonvoy an upgrade from old SPG card?
bluesky upgrade from the old spg. I got the spg on 11/18 then applied for the brilliant on 02/19
bluesky but the Bonvoy and Bonvoy brilliant are two different cards.
@@james12490thanks for your info. Yes, I agree they are different products which the reps also said but, the approval system is just cancelling the app. Or, may be... the system is thinking the two in-progress reallocation as new applications or 5th Amex card that I closed one day before the Brilliant app is considered as active. But, the reps verified all these and came back saying the Brilliant is duplicate of the Bonvoy. Thanks!
S Ranking? Definitely has to be a League of Legends reference....
Yes!
1st