Articles
Dated, on purpose.
What to do with a balance, written so you can use it the day you read it. When the advice goes stale, the date says so.
1 November 2026
How the checker works
The dollar figure is a planning number, not a price
Type a balance. We multiply it by what those points usually fetch. Here is the whole trick, with no jargon.
1 November 2026
Spending
The bank's travel site is the cheap way to spend points
Chase, Amex, and Capital One will book the trip for you. That convenience is usually the worst respectable price.
28 October 2026
A trip
Spend the weak points first
If a trip can be paid with Hilton or with Chase, Hilton goes first. Chase still has somewhere better to be.
18 October 2026
Hotels
A six-figure hotel balance is often one weekend
100,000 Hilton points feels like a fortune. In dollars it is about $450. Here is when it is still worth using.
9 October 2026
Transfers
Do not move points until the trip is real
A transfer is a one-way door. Wait until you can name the flight or the hotel, then move only what that trip needs.
2 October 2026
Cards
Some points are just cash wearing a costume
ThankYou, Membership Rewards, and Ultimate Rewards only matter on cards that can still transfer. The others are a coupon.