Plenty of credit cards offer elite loyalty status, but only Hilton has cards that provide one of my favorite hotel perks: complimentary breakfast
- Two of Hilton's rewards credit cards - the Hilton Honors American Express Surpass® Card, and the Hilton Honors American Express Aspire Card - offer cardholders complimentary elite status.
- While plenty of hotels offer low levels of status, these two Hilton cards offer higher levels, which come with a variety of perks including complimentary breakfast during your stay at a Hilton hotel.
- Here's how to take advantage of free hotel breakfast at Hiltons.
- See Business Insider's list of the best rewards credit cards you can get »
There are plenty of hotel credit cards out there that offer elite loyalty status as a benefit to cardholders. The Marriott Bonvoy Boundless Credit Card offers Silver status in the Marriott Bonvoy program, and the IHG Rewards Club Premier Credit Card offers Platinum status in IHG's program.However, only Hilton offers credit cards that give a level of status high enough to include one of my favorite hotel perks: free breakfast.
Each property handles the complimentary breakfast benefit differently. Some remove breakfast purchases from your bill when you check out, while others simply print a bill with a $0.00 total.Here are the two cards, and the perks they come with.
Keep in mind that we're focusing on the rewards and perks that make these credit cards great options, not things like interest rates and late fees, which will far outweigh the value of any points or miles. It's important to practice financial discipline when using credit cards by paying your balances in full each month, making payments on time, and only spending what you can afford to pay back.Hilton Surpass is the best mid-range option in Hilton's line-up. The Surpass offers complimentary Hilton Gold status, a potentially a stellar deal. The complimentary breakfast alone can make up for the annual fee in just a few days - hotel breakfast is expensive, often costing over $20, but sometimes it's the only option.
If you spend $40,000 on the Surpass card within a calendar year, you'll be upgraded to Diamond status. In addition to the same benefits you'd get from Gold status, Diamond gets you higher priority for room upgrades, executive lounge access, and more. Regardless of how much you spend, the card also comes with 10 free day passes to Priority Pass airport lounges.
When you open a Surpass card, you can earn 150,000 Hilton Honors points after you spend $3,000 in the first three months. You can also earn a $100 statement credit after your first purchase on the card in the first three months. (This offer is available until December 31, 2019.) You'll also get a free weekend night's stay if you spend $15,000 on the card within a calendar year.The Surpass earns 12x points on eligible Hilton purchases, 6x points at restaurants, gas stations, and supermarkets within the US, and 3x points on everything else.
The Aspire is the premium Hilton card, and even though it has a $450 annual fee, it offers an absurd amount of potential value to blow that away.
The card comes with complimentary top-tier Diamond status without any spending requirement, getting you those room upgrades, executive lounge access, and more, in addition to all the benefits of lower tiers such as free breakfast.It features up to a $250 airline fee credit per calendar year, and up to a $250 Hilton resort statement credit each card member year - right away that's $500 in value. But it doesn't stop there. The Hilton Aspire card also offers up to $100 in Hilton on-property credit every time you book a stay of two nights or longer at a luxury-level Hilton property - you just need to book through a specific website for cardholders.
The Aspire, naturally, has the highest rewards earning rate of the Hilton cards: 14 points per dollar spent with Hilton, 7 points per dollar on flights booked with the airline, car rentals, and at US restaurants, and 3 points per dollar on everything else.
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Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
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