With the Aspire® Mastercard® Credit Card, you earn up to 3% cash back reward. There are two factors in play here – your upgrade date (the date you upgrade the card, for me December 2020) and your card anniversary date (which corresponds to the date you originally got the card, my next anniversary will be March 2021). Even worse, cash advances can signal to lenders that you’re being irresponsible with money. After that your rate will be 10.90%–18.00% Variable. And somehow there are still more unanswered questions. Ryan’s comment at 5:54 am above is alarming. Close but not quite. Upgrades are not eligible, but seat assignment fees are (which includes preferred seats in the same booking class). Lastly, you can’t upgrade what you don’t have – upgrading would box you out from a subsequent upgrade offer, which while not guaranteed, historically has featured points in lieu of a waived fee. If Amex does use the $450 for the prorate next year, it appears that would be an easy fight to win given the clear terms, but the eyes and attention this could bring to your account may not make this a fight worth fighting. Josh: There’s a linked photo above that might help, but a release valve might be to downgrade back. If that looks right then maybe I can quadruple the airline credit by using it Jan 1, 2023 before the bill is due? Bags, seat upgrades, award fees, anything that isn’t a ticket should work. Compare the best credit cards for people with good credit. A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest. The only thing for me to do is spend the $250 airline credit now and in January. This worked for me and I have one aspire card. While unfamiliar with the initial upgrade offer, AMEX customer service rep assured me she would investigate. Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. WiFi also doesn’t work for most airlines since third parties process those charges, Just remember that if a charge isn’t eligible, if it doesn’t automatically trigger the credit you can’t ask to have it applied manually. Free ShopRunner subscription — The Aspire card offers a free ShopRunner subscription, which comes with free two-day shipping on eligible items from … This may or may not be a good deal depending on your marginal value of 150,000 additional points (for someone tantalizingly close to a high value award this could be quite valuable; while those swimming in an Olympic size pool of Hilton points may find an extra 150,000 points to be of marginal utility). With this offer, no fee will be charged on upgrade -and- no fee will be charged on the anniversary date this offer straddles. ... Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. I figured I would apply for it to pay off a couple of bills. Find out if you Pre-Qualify for the Hilton Honors American Express Aspire Card or other offers in as little as 30 seconds. I was eligible from a previously downgraded Aspire so I’m going for it. before downgrading. $0 Fraud Liability**. * See the online Aspire credit card application for details regarding terms and conditions for offers. No annual fee. I called and was told that they had no record of the promo and I will be billed $450 within two billing cycles. I’m saying that since the $95 could be a typo, which would make paying the prorate amount less attractive. Do I have an option to downgrade now to no AF card? Learn More. You will get a resort credit on upgrade, and then another one on 12/5 next year (which you could use up before closing). Aspire customers can choose from the Easy Pay or Etihad Guest Above Debit Cards. I also has this upgrade offer showing on my Surpass, which used to be the vanilla Hilton card. I’m curious what you decided to do.I’m in the same boat. Dec 5, 2022: full $450 fee. You took the offer or you still have the offer showing in your account? With a standard annual fee of $450, the card offers cardholders: Hilton Honors Diamond status Free … Credit Card Insider and CardRatings may receive a commission from card issuers. The prorated $95 would be on Dec. 12. If you’re not a member of Aspire Federal Credit Union, you must apply for membership before you can apply for this card. Credit Card Insider has not reviewed all available credit card offers in the marketplace. I received a pre-approved letter for a Aspire credit card with a $700 credit limit. We’re here to get you on your way. A detailed trip into the world of Points, Miles, and Travel. I thought it would be pretty obvious when you’re paying for wifi on a 3rd party portal that you’re not actually paying the airline. Is there a risk here, even though this is offered on my account, I don’t want to risk points/relationship… I have 700K Hilton right now. Credit Card Insider receives compensation from some credit card issuers as advertisers. In theory you could cancel it whenever the need arose with likely little recourse (since there is nothing for Amex to claw back), although that potentially could end up with you in pop-up purgatory. The Aspire Card comes with Hilton Diamond status, which offers … Experience Love at First Swipe with an Aspire FCU World Rewards Mastercard®!. “Airline tickets, upgrades, mileage points purchases, mileage points transfer fees, gift cards, duty free purchases, and award tickets are not deemed to be incidental fees.”, So while some of these items do sometimes trigger the credit automatically, you can’t get Amex to manually apply the credit to any of those charges if it doesn’t. Letter came in the mail for me today confirming this https://imgur.com/a/aBNVW5T. Or just chat with Amex to pick the airline you want and avoid using separate logins. With this credit card, you can get access to Amex Offers, which often offers very good discounts at some stores. For what appears to be a relatively straightforward offer, it has surprising complexities. Now, American Express announced new rewards and statement credit offers geared toward popular grocery, food delivery, streaming and wireless categories across … Is it okay to have 2 Aspires? Transaction Alerts. Transaction Alerts. This site may be compensated through a credit card issuer partnership. It offers 1% cash back on every dollar you spend, plus another 1% on every dollar in bill payments that you make. If you find pre-approved credit card offers annoying, there is a way to stop receiving them. Review: Aspire Credit Union Platinum MasterCard Balance Transfer. You bring up a valid point–we just don’t know for sure. They are not honoring this at all. Most people are limited to 4 active credit cards with Amex these days. I have two Aspire cards, one Surpass and one no annual fee Hilton card now, all in the same online account, I still got the upgrade offer on my Surpass card, and accepted it. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Award fees also aren’t supposed to work, but a lot of times they do end up triggering the credit as long as they are under a certain amount. If you saved the agreement and screenshot-ed the offer, I don’t see why arguing this would be difficult. Aspire doesn’t have great value for everyday spend, but given these promos my guess is a lot of the Hilton faithful do. Curious if the free weekend night will still be issued to those that choose to reverse or downgrade from this erroneous, falsely advertised Aspire upgrade. Compare offers of 2020 and apply online today. TIA. ** Good to excellent credit score required. He surfaced up this offer and has been helping people understand how Amex upgrade offers work – and this deal specifically – on Milenomics Slack. This card offers 130,000 bonus points after you use your card to make $2,000 in eligible purchases within the first 3 months of Card Membership. A list of these issuers can be found on our Editorial Guidelines. If you travel consistently and are partial to the Hilton brand, the Hilton Honors American Express Aspire Credit Card may be perfect for you. The Hilton Honors Aspire Card is the only card that offers top tier elite status by holding a credit card alone. The Aspire Platinum Rewards Mastercard is a low-interest balance transfer card that comes with a 0% intro balance transfer APR for 6 billing cycles. The ADCB Easy Pay Debit Card gives you greater flexibility and comes loaded with a variety of features and benefits. The world’s most interesting bank never fails to disappoint. You will get one airline fee credit for 2020, one for 2021, and you could get one for 2022 if you use it within first day or two of the year before closing card. Thank you, I am realizing I can get the airline credit 3 times, at least one free night and resort credit. 0% introductory APR* on purchases for the first six months on the Platinum Mastercard. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. You can earn 5,000 points after spending $2,000 in the first 3 months of account opening. This would allow nearly a full year at the prorated $95 – in essence, getting two years of the Aspire for and average cost of under $50 a year, and the potential to sneak another airline incidental credit in 2023(!) [Expired] No Fee Hilton Aspire Upgrade Offer [Regularly $450], Menu – Cards – Check for Pre-qualified Credit Card Offers, triple dipped Aspire referrals, signups, and upgrades, previous upgrade offer was 150,000 points, Shop Talk: Keep These Things in Mind Before Pursuing Hyatt Globalist, 12+ Luxury Expedia VIP Access Hotels to Consider Booking (before 1/31/2021), Episode 46: Making Money by Investing in Mutual Savings Banks, Citi Holiday Promotion: 5% back on up to $500 of online purchases [capped at $25 per credit card]. I’m considering taking this offer for the Aspire benefits. You’ll score major savings with a 0% introductory APR* on balance transfers for 6 months. However, Credit Card Insider does not make any guarantees about the accuracy or completeness of the information provided. I have the no fee Amex Hilton – never had the Aspire. I’ve never had the no fee card so I’ve been avoiding downgrading to get the bonus there. Learn the difference between networks like Visa and issuing banks like Capital One, which banks are biggest, and more. Regarding the $250 airline credit, is it only valid on incidental fees such as baggage or can it be used toward plane tickets? Redeem 10,000 of your Visa Scorecard Reward points for $50.00 cash right here at Aspire Credit Union! I’m having a tough time figuring this one out: I opened an Aspire card on 12/5/2018, then downgraded it to a Surpass on 1/10/2020. Yes. You can earn 5,000 points after spending $2,000 in the first 3 months of account opening. You can usually pay your bill online on your. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. This is a guest post from CF Frost. EDITORIAL DISCLOSURE: The editorial content on this site is not provided by the companies whose products are featured. In the past we have seen offers like: Spend $15 or more and get $5 back at Walmart; Spend $75 or more and get $25 back on Amazon.com. Get ready to shop ‘til you drop! Simple + Secure Application. New to credit cards? Borrowing cash on your credit card is a cash advance. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. Unsecured Credit Card. Cash advances usually come with very high fees. In the meantime here’s what an upgrade can collect: The timing of this offer is particularly interesting considering it dropped shortly after the anniversary of the fee-free Aspire offer in November last year, and not too long after some people triple dipped Aspire referrals, signups, and upgrades in August last year. December 5, 2022– $450 fee. You can’t do that for things like award taxes and upgrades though, since those aren’t covered in Amex’s terms. Presumably there are a large number of people holding a recently downgraded Aspire who are eligible to once again rejoin to the ranks of the Diamond elite. just sit tight and quit fretting. The Aspire Credit Card Mastercard comes in two versions that you may be offered. Among its credit card offers, Aspire Credit Card is one of the uniquely designed offers for the customers having Cent Aspire fixed deposit account at any bank branch. Will update if/when I hear anything more (unfortunately, I didn’t screenshot the initial offer). Early yesterday as I performed my morning ritual of logging onto Amex to confirm my account hadn’t been shut down yet, I checked my prequalified offers (found in Menu – Cards – Check for Pre-qualified Credit Card Offers rather than the more common location for upgrade offers in the Amex Offers & Benefits section) and found this sizzler – an offer to upgrade my fee free Hilton card to an Aspire for no points, but with an unusual fee structure. As an authorized distributor, you get all the tools you need at great prices, including vape kits, tanks, coils, and special mods. Will the prorated “gap” fee post as advertised – could the $95 be a typo? This is the best everyday credit card on the market. We take a look at how it works and whether it is worth the effort to join. Annual Fee. For starters, it comes with Hilton Diamond status for as long as you hold the card and you’ll earn 14x points on spending at participating Hilton hotels. If you live in a JetBlue hub, this is a must-have credit card — especially right now since the current offer is worth $1,300 in travel based on The Points Guy's valuations. $60k is crazy to me but maybe frequent Hilton travelers see it as a goal worth pursing. Make your everyday purchases and payments easier and get rewarded with TouchPoints for all your retail purchases.Learn more. Zero Lost Card Liability In case of loss of credit card, report it immediately at our 24-Hour Customer Care 1800 425 7600 (Toll free) / 022 - 4042 6013 (Non-toll free). Aspire Rewards is a new loyalty scheme for users of Aspire airport lounges across the UK. For one, you’d be freezing a credit card slot with Amex. My Hilton Amex card holds a special place in both my wallet and my heart – it was the first credit card I ever signed up for (coming with a whopping signup bonus of 10,000 points) and the OG sits in a small frame on my desk. If you are one of these chosen few, your math is a little trickier – if you used your airline credit in 2020, or your resort credit for this current cardmember year, those credits will not reset on the upgrade; instead, you will have to wait until 2021 to start seeing the return. Respond To Offer. 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