Hilton is really pushing points at their customers! First we have the new 100K offer with the Hilton Surpass, then the 75K offer with the no-fee Amex Hilton card, and now this 75K offer from Citi’s no-fee Hilton. But, take a good look at your Hilton needs before pulling the trigger on this one!
75K Hilton Points with No-Fee Citi Card
On the face of it, this is really an excellent deal. Not only is it up from the normal 40,000 points, but it also is a no-fee card. That means you can just let it sit there and age your credit history without it costing you anything (as long as you use it once every year or so – otherwise it may get shut down).
Here is what this offer gives you:
- 75,000 Hilton points after spending $2,000 in 3 months
- 6 Hilton points per $1 spent at Hilton properties
- 3 Hilton points per $1 spent at supermarkets, drugstores, and gas stations
- 1 Hilton point per $1 spent at all other outlets
- Automatic Silver status
- Loyalty bonus of 10,000 Hilton points when you spend $1,000 or more on Hilton portfolio stays
- Upgrade to Gold status by spending $20,000 in a calendar year on this card
- No annual fee
Word of Warning
So, with everything looking so good, why a word of warning? Last August, Citi pushed through their own anti-churning rules on many of their cards. Instead of just saying that you could not have the bonus if you opened or closed that card in the last 24 months, they now say you cannot get the bonus if you have opened or closed any Hilton Citi card in the last 24 months.
That means if you have opened or closed this card or the higher tier Hilton Reserve card in the last 24 months, you cannot get the bonus on this one! But, worse than that, if you want to open a Hilton Reserve card in the next 24 months, getting this card will preclude you from getting that bonus (unless they change the rules in the next 2 years).
Why is that bad? With the upcoming changes to the Hilton Honors program, it is not clear yet as to what hits the points may take in values for many hotels. The 2 free weekend nights of the Hilton Reserve card are clear devaluation-proof winners and could be very valuable if your dream destination/vacation hotel all of a sudden is costing 95,000 points per night almost every night of the year. In that case, this 75K bonus on this no-fee card won’t help you touch that.
This is a strong offer on Citi’s no-fee Hilton card but make sure you think through whether you will want the Citi Hilton Reserve in the next 24 months before you pull the trigger on this one!
If you value the mid-tier hotels, I would definitely go for this no-fee card as it will likely give you more bang for your redemption buck than the 2 free nights would from the Hilton Reserve card.
Editorial Note - Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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