Comment by scarface74

4 years ago

I don’t redeem HH points for any less than .7 cpp. You get a free night when you pay all of your nights with points.

But as far as collecting points. Each time I stay at a Hilton, per dollar, I get:

- 10 base points

- 10 points for being Diamond (automatic with the Amex Hilton Aspire)

- 14 points on the Aspire card.

That’s 34 points minimum or around 24%.

But Hilton ran a 3x special the third quarter of last year followed by two 2x specials for 54x and 44x. At 54x that’s almost 38% back.

I don’t use more than 70K points per night or 280K points for 5 nights (fifth night free).

Our “housing budget” is $3500/month. We spend that on our own place during the winter and hotels the rest of the year and the income pays for our mortgage at our “winter home”. I’m also traveling for reimbursed work trips. That means at times, I’m collecting points for two hotels at once if my wife doesn’t come with me.

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scarface74

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988747  4 years ago

Thanks for the details :)

Seems like Amex Hilton Aspire card is the key here, just not sure how to get one, not living in the US, and having no credit history there. I assume they require some exorbitant income level as well?

Anyway, seems like just getting Diamond status gives you quite a bonus. I'm in this weird situation where I plan to go to US for the next 3-6 months, and I am actually considering living in Hiltons the whole time :)

  • scarface74  4 years ago

    In the US, income has little to do with getting credit cards.

    The only time that banks really care about your income or your income to debt ratio, is buying a house.