EARNING HILTON HHONORS POINTS THROUGH AMEX UPGRADE AGAIN & AGAIN

If you stay in the USA and can sign up for credit cards then the one card you should have in your wallet is the American Express Hilton Card. American Express has two variants of the card below:

• ​Hilton HHonors Card with no annual fee
• Hilton HHonors Surpass card with $75 annual fee

If you do not have Hilton HHonors card then it is better off to start with the $75 annual fee version as apart from better benefits it also has higher sign up bonus such as the current 100k Hilton Honors point for $3k spend in 3 months and a free weekend night earned after first anniversary of the card membership.

After first anniversary of the Hilton HHonors Surpass card once you receive the free weekend night certificate you can downgrade the card to No annual fee Hilton HHonors card.

The Deal:

1. After few months of the downgrade to No annual fee card you can check for the upgrade eligibility at this link. At the time of this writing you can get 100k HHonors bonus points after spending $3k in 3 months for the Upgrade from No annual fee card (No weekend certificate though). The bonus amount varies depending on the publicly available offer for the sign up of the card but usually there is some HHonors bonus points if you are eligible for the upgrade. Also since it is a upgrade you do not get hit by the hard credit pull as well as your account open date retains to the original opening date of your card.
2. Once the spend is met and you receive the HHonors bonus for upgrade you can downgrade the card back to No annual fee card. You do get partial refund of the fees and you are back again in the queue waiting to become eligible for upgrade again.
3. Rinse and repeat and you will have nice stash of Hilton HHonors points without any new credit inquiry.​

Disclosure: Miles And Money could earn referral bonus for sign up through some of the links above. Some of the links may or may not be publicly available links.

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