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(Update) Jackpot! A Massive Amex Surpass Retention Offer

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Devaluation: More Hilton Honors Increases Hotels Cost Over 100K Points

American Express Surpass Retention Offer

Our Facebook group moderator, and MtM Diamond spending podcast legend, Ryan shared the details of his American Express Surpass retention offer with me. The offer is an absolute juggernaut. You could say that I am mighty jealous of him right now. I already added it to our retention offer database (with hundreds of data points) but this one was worth a post on its own.

Update 6/1/22: Myself, Shawn and DDG were all able to get this offer on our cards by chatting. Even though our annual fees had not posted recently. Many members of our Facebook Group were able to get it as well. It is worth a try even if you were planning on waiting till your annual fee posts. I was even able to line it up with a few 10,000 points after $1,000 in spend authorized user offers. That plus the $15K free night makes this a massive triple dip earning scenario.

Amex Surpass Retention Offer Details

The annual fee just posted on Ryan’s Amex Surpass card so he decided to reach out to American Express via chat to see if there was a retention offer on the account. Even though he had no intention of closing the card he figured it was worth a shot. Heck, Amex is giving away free money right now essentially, so why not give it a go?

Here are the terms of the offer:
  • Earn 60,000 Hilton Honors points after spending $3,000 within 3 months.

The 60,000 points are worth between $250-$300 depending on how you value Hilton Honors points. That is a massive haul for a card with only a $95 annual fee.

It Gets Better With Stacking

What makes this offer even better is that Ryan hasn’t completed his $15,000 spend for the free night yet this year. That means he gets to double dip these two bonuses at the same time. The card already has a very rewarding earning structure:

  • Earn 12X Hilton Honors bonus points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio.
  • Earn 6X Hilton Honors bonus points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • 3X Hilton Honors bonus points for all other eligible purchases on your Card.

The 6X earning categories, plus the $15K free night, are a big reason why I still spend on my Surpass every year.

Amex Surpass Retention Offer: Final Thoughts

If Ryan completes the entire required spend in the 6X earning categories, and maximizes the free night he’ll earn down the road, he would essentially earn a staggering 32 points per dollar on that spend. He would get 6X for the normal spend, 6X more for the free night cert if redeemed on a 90K+ a night room and 20X on the retention offer. I know this is only for $3,000 worth of spend but it is still fun to break out. The offer is large enough that it is pretty much like getting a new welcome offer on the card.

Hopefully some others out there are able to get a similar offer on their Surpass card. This is the largest offer I have seen yet on the card. The $1,000 Business Platinum card retention offer is still the king of kings for retention offers though.

Remember to check our massive retention offer database before reaching out for your offer. And, share your recent results in the comments!

Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.

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Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Mark Ostermann
Mark Ostermann
Mark Ostermann is a father, husband and miles/points fanatic. He left the corporate world after starting a family in order to be a stay at home dad. Mark is constantly looking at ways to save money and stay within budget while also taking awesome vacations with his family. When he isn't caring for his family or taking a weekend trip, Mark is working towards his goal of visiting every Major League Baseball ballpark.

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    • That is the other offer people have been getting. Some turned it down in the hopes of trying back after their annual fee posts to see if they can get the 60K while others have taken it to boost their $15K free night spend.

  1. Hey there, I have a data point I wanted to share. I had 5 credit cards with Amex up until yesterday, and I now got approved for a 6th card with them as well. I had the Blue Cash Card, Both Marriot Cards (Business and Brilliant), Blue Business Plus, and the Delta Platinum Business. I applied for the Hilton Business Card and got instantly approved for $25,000. I also have other charge cards but I know those don’t count. From my understanding, the rule isn’t a hard rule, but I know it’s rare to get approved for a 6th card.

    For context, I’ve spent over $80,000 on my Amex card since 2022 started, and if we’re doing year to date, I’ve spent over $130,000 between all my cards.

    • Awesome news Walter. We have no idea why some people can get 6 while others can’t but you are one of the lucky few

  2. I have both the Surpass and the Aspire. I reached out on chat a few months ago to close the Surpass as I had already paid the AF back in Nov 2021. They offerred me the 60K with $3K spend so I took it. That was a quick and easy 60K Hilton points and I wasn’t even looking for a retention offer.


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