I started writing this blog because I was frustrated by how imprecise and inaccurate the mainstream travel hacking bloggers I was reading at the time were. In some ways that situation has gotten a lot worse, as credit card affiliate blogs have consolidated and become ever more limited in what kinds of deals they’re able to talk about, while in other ways it’s improved, as more independent bloggers have started writing without relying on affiliate revenue.
As careful as I am to be as accurate and precise as possible, I got caught out on Wednesday by two commenters asking versions of the same question: when are you eligible for your first $250 Hilton Honors Aspire American Express resort credit? This is a question it genuinely hadn’t occurred to me to ask.
The source of the confusion
The reason my commenters were confused arises from the fact that the resort credit is described in at least 2 different ways in different places:
on the American Express credit card application: “With your Hilton Honors American Express Aspire Card, enjoy up to $250 in statement credits each year of Card Membership for eligible purchases at participating Hilton Resorts.”
on the American Express “benefits” tab for existing cardholders: “Upon renewal of your Card, enjoy $250 in Hilton Resort Credits each year when you stay at a participating resorts within the Hilton portfolio.”
This raises the question, is the resort credit an anniversary benefit (like the bonus Radisson Rewards points offered by US Bank, or the Alaska Airlines companion ticket offered by Bank of America), or an annual benefit? If it’s the former, the value of the card drops enormously, since the credit would only be available if you kept the card or were able to make an eligible resort charge shortly after your first anniversary. If it’s the latter, you have an entire year of card membership to find a chance to use the credit before canceling the card.
My answer to this very good question
I was so flummoxed by these commenters I started to believe I may have actually misunderstood the terms of the benefit, something that has happened before and will happen again (always for the benefit of my readers). Had I relied too much on the seductive prose of affiliate bloggers? Had I, the anti-affiliate-blogger, become a pawn in their game?
But I quickly oriented myself and realized my original interpretation of the benefit, that it is available during your first year of card membership, had to be correct for a simple reason: the card is less than a year old, and people have already received resort credits. The relevant FlyerTalk thread has datapoints from as early as March, 2018, less than 3 months after the card was launched, so the benefit has to be available during the first year of card membership.
Conclusion: banks and loyalty programs love to out-legal themselves
If you squint at the conflicting language just right, you can start to see what American Express and Hilton were thinking: they wanted to make it as clear as possible that unlike the card’s $250 airline fee credit, which resets on January 1 of each year, the $250 resort credit is a cardmember year benefit, and they tried to express that concept in slightly different, slightly contradictory ways. While lawyers have fun pretending to speak with precision, English simply isn’t a surgical language. Here’s my modest attempt at reformulating the resort benefit:
“Each year of card membership, beginning with your first year, and continuing each additional year upon the anniversary of your account opening, enjoy $250 in Hilton Resort Credits each year when you stay at a participating resorts within the Hilton portfolio.”
As always, you can find my personal referral link on my Support the Site! page (feel free to use either my Hilton or Delta referral link, since they should both give you access to the same cards).