Most of these credit cards offset annual fee in one way or another via travel or other credits, so don’t jump out of your seat…

If you look at the Hotels Chart, you’ll notice the only transfer partner to Hilton is Amex which already can be converted to Hilton Honors…

Short answer: never, with two exceptions Now to the long answer. When you use any points+cash or miles&money program, you are buying points if you…