This year, I will be spending roughly $30,000 on my Amex HHonors Surpass card. Most of this is the result of charges which had to be paid in dollars (air fares for myself and several other people, expenses during two trips to LAS and ATL, and vacations outside of the Euro Zone). That gets me Gold status for another year. It was, however, a very unusual year for me. I will not be flying back to the States next year and most of my travel will be to Euro Zone countries where I can avoid forex charges by using my Deutsche Bank MasterCard. I am guessing that I won't have more than $5000 in expenses which I would normally put on my Amex. I can, of course, easily reach the $20,000 in spending in 2012 by using my Amex in Israel. The problem with that is I will have to pay forex charges which I usually avoid by paying in shekels. I will not be reaching Hilton Gold with stays -- if I do get there it will only be through my Surpass card. So the question comes down to this: How much in forex charges should I be willing to spend in order to be Gold instead of Silver?