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The Best Ways To Fly and Stay in the Maldives With Points and Miles

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Brandon Brunner
Updated: 
Edited by: Keri Stooksbury
& Kellie Jez
The Best Ways To Fly and Stay in the Maldives With Points and Miles
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The Maldives is considered one of the most sought-after luxury vacation destinations in the world. Made up of more than 1,000 coral islands, the Maldives is a tropical archipelago located in the Indian Ocean.

With its incredible white sand beaches, extensive coral reefs, and crystal-clear blue water, the Maldives is the perfect island excursion for a relaxing vacation or special honeymoon destination.

And the Maldives can be a fun adventure, too! With an endless amount of water sports to choose from, no visit is complete without experiencing some of the best snorkeling and diving spots in the world (think manta rays and whale sharks).

While the Maldives does have some budget-friendly accommodations, most of those are in or very close to the capital city of Malé (MLE), and might not meet your high expectations for the Maldives.

This guide will help explain the best award programs for you to upgrade your entire dream vacation to the Maldives. From flights to hotels, we’ve got you covered to help you experience the Maldives in style without the high price tag.

Best Programs to Book Award Flights to the Maldives

Getting to the Maldives sounds like it could be a difficult task — a group of islands thousands of miles away in the middle of the Indian Ocean doesn’t seem like it would be super easy to get to!

But since this is such a sought-after destination, many airlines do offer flights to the Maldives. While no U.S. airlines offer flights directly to the Maldives, there are plenty of other options utilizing your flexible reward points and partner award charts.

Award availability may be a challenge when looking for flights to the Maldives, but we’ve got a great guide to help make searching for award space easier.

Hot Tip: If you’re running into a lot of dead ends, consider flying into Colombo (CMB), Sri Lanka. It’s just about an hour away by air to the Maldives and often has much more award availability.

American Airlines AAdvantage

The American Airlines AAdvantage program can help you get to the Maldives even though American Airlines doesn’t operate flights there. Thanks to its membership in the Oneworld alliance, American Airlines provides numerous ways to redeem miles for flights to the Maldives.

On its partner award chart, the Maldives is categorized under the Indian Subcontinent region. Here are the one-way rates for award flights on partner airlines like British Airways, Etihad, and Qatar Airways.

  • Main Cabin: 40,000 AAdvantage miles
  • Business: 70,000 AAdvantage miles
  • First: 115,000 AAdvantage miles

American Airlines offers some great options to get to the Maldives by booking on its partner airlines. Here are some of our favorite partners to redeem AAdvantage miles to the Maldives.

British Airways

British Airways American Airlines 777 200ER parked JFK
Image Credit: Alberto Riva

British Airways offers flights to the Maldives via London Heathrow Airport (LHR), where it operates direct flights 3 times a week.

You can search award availability and book directly on American’s website, which is incredibly convenient.

British Airways business class isn’t the best out there, but it does offer a flatbed seat that beats economy class on such a long-haul flight.

British Airways flies to London (LHR) from many U.S. cities, providing plenty of opportunities to book your Maldives adventure using AAdvantage miles. You can fly to the U.K. and then continue onward to Male’s Velana International Airport (MLE)

  • Hartsfield–Jackson Atlanta International Airport (ATL)
  • Austin–Bergstrom International Airport (AUS)
  • Boston Logan International (BOS)
  • Baltimore/Washington International Airport (BWI)
  • Chicago O’Hare International (ORD)
  • Cincinnati/Northern Kentucky International Airport (CVG)
  • Dallas Fort Worth International Airport (DFW)
  • Denver International Airport (DEN)
  • Houston George Bush Intercontinental Airport (IAH)
  • Los Angeles International (LAX)
  • Miami International Airport (MIA)
  • Nashville International Airport (BNA)
  • New York-John F. Kennedy International  (JFK)
  • Newark Liberty International (EWR)
  • Louis Armstrong New Orleans International Airport (MSY)
  • Philadelphia International Airport (PHL)
  • Phoenix Sky Harbor International Airport (PHX)
  • Pittsburgh International Airport (PIT)
  • Portland International Airport (PDX)
  • San Diego International Airport (SAN)
  • San Francisco International (SFO)
  • Seattle–Tacoma International Airport (SEA)
  • Washington Dulles International (IAD)

Etihad

Etihad Boeing 789 Dreamliner
Image Credit: Daniel Ross

Etihad offers flights from the U.S. to the Maldives via Abu Dhabi (AUH) in the United Arab Emirates. American Airlines shows Etihad award availability and allows you to book these award flights online.

Etihad offers an incredible first and business class product on its long-haul flights from the U.S., including the famous Etihad First Class Apartment on its A380 aircraft, which flies from New York’s John F. Kennedy (JFK) airport.

Etihad First Class Apartment - Apartment 4K from Doorway
The Apartments on Etihad’s A380 are second to none. Image Credit: Alex Miller

Etihad flies to Abu Dhabi from the following cities in the U.S.:

  • Hartsfield–Jackson Atlanta International Airport (ATL)
  • Boston Logan International Airport (BOS)
  • Chicago O’Hare International (ORD)
  • New York-John F. Kennedy International (JFK)
  • Washington Dulles International (IAD)

Award availability is usually pretty decent. Be sure to search segment by segment to increase your odds of finding the Etihad Guest award seats.

Hot Tip: If you are looking specifically for business or first class award seats on Etihad, the U.S. reservation agents are known to have difficulty in seeing that award space. Try calling other American Airlines reservation centers like Australia or Singapore, who can usually see Etihad’s availability.

Want to know other ways to book Etihad Airways to the Maldives in style? Check out our in-depth guides to the best ways to book Etihad business class flights and Etihad first class flights in a step-by-step guide.

Qatar Airways

Qatar Airways A350 1000 ATL
Image Credit: Alberto Riva

Qatar Airways offers flights to the Maldives via Hamad International in Doha (DOH) and operates flights from 11 U.S. cities while providing daily flights between Doha and Malé.

  • Atlanta Hartsfield–Jackson Atlanta International Airport (ATL)
  • Boston Logan International Airport (BOS)
  • O’Hare International Airport (ORD)
  • Dallas Fort Worth International Airport (DFW)
  • Houston George Bush Intercontinental Airport (IAH)
  • Los Angeles International Airport (LAX)
  • Miami International Airport (MIA)
  • John F. Kennedy International Airport (JFK)
  • San Francisco International Airport (SFO)
  • Seattle–Tacoma International Airport (SEA)
  • Washington Dulles International Airport (IAD)

Award bookings and availability for Qatar Airways flights are available when searching on American Airlines.

Qatar Airways does not offer any of its first-class products from its U.S. destinations. Don’t let that deter you if you’re going for ultimate luxury since its business class product can easily be compared to some other first class products out there!

We would highly recommend trying to get availability on its business class product QSuites, which is among the best business class products on the market.

Qatar, QSuites, 11F & 11E, Boeing 777
Image Credit: Alex Miller

For even more information, check out our article on the best ways to book Qatar Airways QSuites.

Bottom Line: American Airlines AAdvantage provides some of the best award rates (70,000 one-way in business class) and best premium cabins in first and business class (Etihad Apartments) when using its award miles to book flights to the Maldives on partner airlines. 

How to Earn Enough AAdvantage Miles to Fly to the Maldives

There are so many ways to earn American Airlines AAdvantage miles. Some of our favorite methods to earn lots of AAdvantage miles include credit cards that earn with (or can transfer to) American Airlines.

Both Citi and Barclays offer quite a few different flavors of American Airlines AAdvantage credit cards for both personal and business use. Each comes with unique benefits that will help you earn lots of AAdvantage miles and other great perks when you fly American Airlines.

You can also transfer Citi ThankYou points to American AAdvantage at a 1:1 ratio and almost instantly. Meanwhile, Marriott Bonvoy points transfer to American at a 3:1 rate with a transfer time of 2 days.

» Related: 31 Best Ways To Redeem Marriott Bonvoy Points for Flights [For Maximum Value]
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  • Member FDIC
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Marriott Bonvoy

Marriott Bonvoy Bevy® American Express® CardTerms Apply / Rates & Fees
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The Marriott Bonvoy Bevy card gives you automatic Marriott elite status and helps you earn more Marriott Bonvoy points on your everyday purchases.
Earn 85,000 Marriott Bonvoy® bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
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The Marriott Bonvoy Bevy® American Express® Card, the latest mid-tier offering in the Marriott Bonvoy lineup of cards, offers cardholders automatic elite status and ways to earn more Marriott Bonvoy points on each of their stays and daily purchases.

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A premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.

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Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Marriott Bonvoy Brilliant® American Express® Card
A premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.
Earn 100,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
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Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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Why We Like This Card

The Marriott Bonvoy Brilliant® American Express® Card is a premium card designed with road warriors and Marriott Bonvoy loyalists in mind.

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Pros & Cons
Pros
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Cons
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Card Highlights
  • Earn 100,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
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  • No Foreign Transaction Fees on international purchases.
  • $650 Annual Fee.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
Financial Snapshot
  • APR: 19.99%-28.99% Variable
  • Foreign Transaction Fees: None
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Marriott Bonvoy

Alaska Airlines Atmos Rewards

Condor A330 900neo business class cabin
Image Credit: Ryan Smith

Alaska Airlines Atmos Rewards offers many options for award flights to the Maldives, thanks to its extensive airline partnerships both within the Oneworld alliance and outside of it.

The Maldives are categorized within the Asia Pacific region for partner awards. Alaska’s partner airlines that fly to the Maldives include British Airways, Condor, Malaysia Airlines, and Qatar Airways.

Here are the one-way rates for award travel on its partners that fly to the Maldives — and don’t forget to check out the best ways to earn lots of Alaska Airlines Atmos Rewards points.

British Airways, Condor, Malaysia Airlines, and Qatar Airwaysawards to the Maldives:

  • Coach: From 42,500 Alaska points
  • Business: From 85,000 Alaska points

How to Earn Alaska Airlines Points to Fly to the Maldives

Alaska Airlines has co-branded credit cards with Bank of America that can help you earn some extra Alaska points. Alaska Airlines also is a partner airline for Marriott Bonvoy, giving you even more flexibility when looking to book Alaska Airline partner awards.

We’ve covered some of the great benefits of transferring Marriott Bonvoy with partner airlines above, but you can see our guide on how to earn lots of Marriott Bonvoy points if you need more inspiration.

Korean Air SKYPASS

Korean Air doesn’t offer direct flights to the Maldives, but it partners with several airlines that do. These include China Eastern Airlines, Saudia, Virgin Atlantic, and XiamenAir. Air France is also an option, as it operates seasonal flights to the Maldives.

Your best use of Korean Air SKYPASS miles will depend on where you’re transiting through.

Hot Tip: With the loss of Korean Air as a transfer partner for Marriott Bonvoy, you might think it’s difficult to get more Korean Air SKYPASS miles — check out our favorite ways to earn lots of Korean Air SKYPASS miles.

The Maldives falls into the Southwest Asia region on the Korean Air award chart. Here are the partner award redemption rates for one-way flights:

  • Economy: 100,000 Korean Air SKYPASS miles
  • Business: 170,000 Korean Air SKYPASS miles
  • First: 230,000 Korean Air SKYPASS miles

Your best option is likely to fly with Virgin Atlantic via London Heathrow (LHR). Virgin Atlantic has an excellent Upper Class product and operates direct flights between London and 11 U.S. cities:

  • Atlanta (ATL) – London-Heathrow (LHR)
  • Austin (AUS) – London-Heathrow (LHR)
  • Boston (BOS) – London-Heathrow (LHR)
  • Las Vegas (LAS) – London-Heathrow (LHR)
  • Los Angeles (LAX) – London-Heathrow (LHR)
  • Miami (MIA) – London-Heathrow (LHR)
  • New York (JFK) – London-Heathrow (LHR)
  • Orlando (MCO) – London-Heathrow (LHR)
  • San Francisco (SFO) – London-Heathrow (LHR)
  • Seattle (SEA) – London-Heathrow (LHR)
  • Washington, D.C. (IAD) – London-Heathrow (LHR)

How to Earn Korean Miles to Fly to the Maldives

Korean Air does have co-branded credit cards with U.S. Bank. It also used to be one of our favorite transfer partners with Chase Ultimate Rewards, but unfortunately, that partnership has ended.

Qantas Frequent Flyer

Emirates offers multiple flights via Dubai International (DXB) on its exclusive A380 and Boeing 777 fleet, with both first class and business class options all the way to Malé.

Qantas Frequent Flyer might be your best bet for flying to the Maldives on Emirates. That’s because Emirates began restricting first class award space to Skywards elite members only. You can work around it by booking a business class award, then using miles to upgrade to first class but that could end up being very costly.

Instead, you can redeem Qantas Frequent Flyer miles for Emirates first class awards – often at a lower rate than Emirates Skywards. Plus, there’s a workaround using Emirates miles that involves booking a business class award and then redeeming additional miles for an upgrade.

Emirates has an incredible first and business class product on its fleet — including the showers on its A380 — and award availability is decent using Qantas Frequent Flyer miles. You can get an in-depth look at flying first class on the Emirates A380 with our detailed review.

Emirates also offers the most flights to the Maldives via Dubai, with several nonstop options and even more with short stops in Colombo, Sri Lanka.

Emirates First Class - A380
Fly in style in your private cabin with Emirates first class — and don’t forget to take a shower on its A380. Image Credit: Alex Miller

Emirates flies to Dubai from the following U.S. cities:

  • Boston Logan International (BOS)
  • Chicago O’Hare International (ORD)
  • Dallas-Ft. Worth International (DFW)
  • George Bush Intercontinental-Houston (IAH)
  • Los Angeles International (LAX)
  • Miami International Airport (MIA)
  • New York-John F. Kennedy International (JFK)
  • Newark Liberty International Airport (EWR)
  • Orlando International (MCO)
  • San Francisco International (SFO)
  • Seattle-Tacoma International (SEA)
  • Washington Dulles International (IAD)

Want more options to get to the Maldives with Emirates? We have a step-by-step guide with the best ways to book business class flights and first class flights on Emirates.

United Airlines MileagePlus

United Airlines is a member of Star Alliance, which offers quite a few different options when booking award flights to the Maldives using the United MileagePlus program.

United MileagePlus uses a variable award pricing system, but you can expect this approximate mileage price on flights from the U.S. to the Maldives.

  • Economy: 44,000 United MileagePlus miles
  • Business: 99,000 United MileagePlus miles
  • First: 154,000 United MileagePlus miles

Star Alliance carriers that offer regular service to the Maldives are Air India, Singapore Airlines, and Turkish Airlines. Other carriers sometimes operate seasonal service to the Maldives.

When using MileagePlus, you could easily be flying with multiple carriers on a wide range of routes throughout the U.S. and beyond.

The best part of the program is that there are so many ways to earn lots of United MileagePlus miles!

Hot Tip: Don’t forget to check out our review of United Airlines in its own dedicated piece!

How to Earn United Miles to Fly to the Maldives

We’ve covered many ways of earning United MileagePlus miles, but if you’re in a rush for a one-way business class ticket to the Maldives, check out our guide on how to earn 100,000 United MileagePlus miles in 90 days!

Chase Bank does have United Airlines co-branded credit cards, but our favorite way to earn MileagePlus miles is by transferring from Chase Ultimate Rewards — it has lots of great airline transfer partners that transfer 1:1.

Marriott Bonvoy is another flexible option when looking to transfer points into United MileagePlus.

Here are our favorite Chase Ultimate Reward credits cards that will help you earn points to transfer directly to United Airlines:

NEW OFFER
Chase Sapphire Preferred® CardTerms Apply / Rates & Fees
Chase Sapphire Preferred® Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Apply Now(at Chase's secure site)
Chase Sapphire Preferred® Card
A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
Earn 60,000 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
60,000 75,000 points
$1,500
$95
19.74% - 27.99% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros & Cons
Pros
  • 5x points on all travel booked via the Chase Travel portal
  • 3x points on dining purchases, online grocery purchases, and select streaming services
  • 2x points on all other travel worldwide
Cons
  • $95 annual fee
  • No elite benefits like airport lounge access or hotel elite status
Read Full Review
Card Highlights
  • Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
  • Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
  • 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
  • Member FDIC
Financial Snapshot
  • APR: 19.74% - 27.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

NEW OFFER
Chase Sapphire Reserve®Terms Apply / Rates & Fees
Chase Sapphire Reserve®
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Apply Now(at Chase's secure site)
Chase Sapphire Reserve®
A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.
Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
125,000 points
$2,500
$795
19.99% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Excellent
Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options.

The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons
Pros
  • 8x points on all Chase Travel purchases
  • 5x points on Lyft rides
  • 4x points on flights and hotels booked directly
Cons
    • $795 annual fee
Read Full Review
Card Highlights
  • Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
  • Get more than $2,700 in annual value with Sapphire Reserve.
  • Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
  • Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
  • Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
  • Member FDIC
Financial Snapshot
  • APR: 19.99% - 28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

If you’re a business owner, see our list of the best Chase business credit cards.

Best Programs to Book Hotels in the Maldives

The Maldives is a very popular bucket-list destination, but you have to book right to make it live up to the hype. Staying at the right hotel in the Maldives will definitely help this dream destination live up to your expectations.

Luckily, there are plenty of options to find your perfect stay in the Maldives using points. Here, we’ll cover the top hotels in the Maldives to stay at using points.

It’s important to consider the additional costs of staying at a popular but remote tourist destination.

For example, traveling from the international airport in Malé to some of these resorts can cost $500+ per person to transfer by seaplane or speedboat!

Hilton Honors

The Hilton Honors loyalty program is a great way to have a luxurious stay in the Maldives. It can be incredibly easy to earn lots of Hilton Honors points and make sure you have an extended stay in paradise.

There are currently 3 Hilton resorts in the Maldives: the Conrad Maldives Rangali Island, Waldorf Astoria Maldives Ithaafushi, and the SAii Lagoon Maldives, Curio Collection by Hilton.

Conrad Maldives Rangali Island

Conrad Maldives Overwater Bungalow
Redeem Hilton Honors points for an overwater bungalow at the Conrad Maldives! Image Credit: Conrad Maldives

The Conrad Maldives Rangali Island is one of the best options to book using points in the Maldives because it’s the only one that offers an overwater bungalow for the standard award price.

That’s right: you can stay in an overwater villa in the Maldives on points! The Conrad Maldives is one of Hilton’s highest-tiered properties, costing 140,000 points per night for the standard award rate.

But you don’t have to stay in an overwater villa for 140,000 points per night if you don’t want to — the resort offers some fabulous beach bungalows in the same award category. Beach bungalows are generally around double the size of overwater villas and have easy beach access. Beach villas tend to be popular for smaller families, while overwater villas tend to be popular with the younger crowd.

Having elite status with Hilton Honors will give you even more value for your points for longer stays. Starting at Silver status, Hilton Honors members get the fifth night free on a standard room award booking.

» Related: How To Get Hilton Honors Elite Status [Benefits, How To Qualify, and Free Nights]

That means you can stay in an overwater bungalow for 5 nights for just 560,000 points. That might sound like a lot of points, but there are plenty of American Express Hilton Honors credit cards to consider applying for that can help you get there and even enhance your stay!

Some of these Hilton Honors credit cards give you Gold or Diamond status, which will provide tremendous value when staying at this resort. For example, Gold status gives you free breakfast during your entire stay, which includes 2 different restaurants (one on each island) at this resort.

The Conrad Maldives also goes above and beyond to provide a complimentary afternoon tea and happy hour for elite guests. You can get afternoon tea each day from 4 p.m. to 5 p.m. with small sweets and light snacks. Immediately afterward, Gold members also are invited to a free happy hour with beer, wine, and mixed drinks at the Rangali bar from 5 p.m. to 6 p.m.!

Bottom Line: For an average of just 112,000 Hilton Honors points per night, you can stay in an incredible overwater bungalow using the fifth-night free benefit and get free breakfast, tea, and happy hour with Hilton Honors Gold status — which is instantly earned just by having a Hilton Honors American Express Surpass® Card.

How to Earn Points to Stay at Hilton Hotels in the Maldives

American Express has quite a few co-branded Hilton Honors credit cards that can easily get you enough Hilton Honors points for your stay in the Maldives.

Another huge perk is that some of these credit cards can instantly get you elite status with Hilton Honors. As mentioned above, that benefit alone can save you hundreds of dollars with free breakfast and other perks during your stay at Hilton properties in the Maldives.

Hilton Honors is also an Amex transfer partner — it often has a transfer bonus, but the standard transfer rate is 1:2.

Don’t forget to bring your Hilton credit card with you to the Maldives and use it for any extra charges during your stay — you could be earning up to 14 Hilton Honors points per dollar on eligible purchases at Hilton properties.

+ NEW BENEFITS
Platinum Card® from American ExpressTerms Apply / Rates & Fees
Platinum Card® from American Express
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Platinum Card® from American Express
The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
As High As 175,000 Points. Find Out Your Offer.
Up to $3,850
$895
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than the Platinum Card® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros & Cons
Pros
  • The best airport lounge access out of any card (by far) — enjoy access to over 1,550 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
  • 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
  • 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
Cons
  • $895 annual fee (rates and fees)
  • Airline credit does not cover airfare (only incidentals like checked bags)
Read Full Review
Card Highlights
  • You may be eligible for as high as 175,000 Membership Rewards® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
  • Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
  • More Value! With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
  • More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
  • More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners. Enrollment required.
  • More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
  • New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
  • More Value! $209 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
  • Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
  • New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
  • $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®.*Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
  • $100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
  • Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
  • $895 annual fee.
  • Terms Apply.
Financial Snapshot
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

NEW OFFER
American Express® Gold CardTerms Apply / Rates & Fees
American Express® Gold Card
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

American Express® Gold Card
This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
As High As 100,000 Points. Find Out Your Offer.
Up to $2,200
$325
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

The American Express® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros & Cons
Pros
  • 4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
  • 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
  • 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com
Cons
Read Full Review
Card Highlights
  • You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
  • Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
  • Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
  • Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
  • $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
  • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
  • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
  • No Foreign Transaction Fees.
  • Annual Fee is $325.
  • Terms Apply.
Financial Snapshot
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Business owner? Several American Express business cards earn points that can be transferred to Hilton.

LIMITED TIME OFFER
Hilton Honors American Express CardTerms Apply / Rates & Fees
Hilton Honors American Express Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Complimentary Hilton Honors Silver status, plus great earnings at Hilton, U.S. gas stations, U.S. supermarkets, and U.S. restaurants!

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Hilton Honors American Express Card
Complimentary Hilton Honors Silver status, plus great earnings at Hilton, U.S. gas stations, U.S. supermarkets, and U.S. restaurants!
Earn 100,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you spend $2,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 1/14/2026.
100,000 points
Up to $500
$0
19.99%-28.99% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

You can’t beat a comfy king-sized bed and room service. For many travelers, it’s the hotel that really makes or breaks an experience. If you’re one of those people, you’ve probably stayed at a Hilton hotel.

Whether your visits are for work or pleasure, the Hilton brand has you covered with more than 6,200 locations in 100 counties and territories.

To enjoy a host of great benefits, you may want to apply for the Hilton Honors American Express Card.

Pros & Cons
Pros
  • 7x points per $1 on Hilton stays
  • 5x points per $1 at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations
  • 3x points per $1 on all other purchases
Cons
  • Not great for those who want multiple redemption options
  • Offers the least benefits of all Hilton cards
Read Full Review
Card Highlights
  • Earn 100,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you spend $2,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 1/14/2026.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
  • Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Points for all other eligible purchases on your Card.
  • Enjoy complimentary Hilton Honors™ Silver Status with your Card. Silver Status gives you a 20% Bonus on Base Points you earn on every stay, plus, you receive the fifth night free when you book a standard room stay with 100% Points.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • No Annual Fee.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
Financial Snapshot
  • APR: 19.99%-28.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Hilton Honors Loyalty Program

LIMITED TIME OFFER
Hilton Honors American Express Surpass® CardTerms Apply / Rates & Fees
Hilton Honors American Express Surpass® Card
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

An excellent high-earning Hilton credit card that comes with perks like Hilton Honors Gold status and up to $200 in Hilton credits every year.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Hilton Honors American Express Surpass® Card
An excellent high-earning Hilton credit card that comes with perks like Hilton Honors Gold status and up to $200 in Hilton credits every year.
Earn 155,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/14/2026.
155,000 points
Up to $775
$150
19.99%-28.99% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

If you’re someone who loves traveling and loves staying in Hilton hotels, adding a co-branded Hilton hotel card to your wallet is almost a no-brainer. From automatic Hilton elite status to up to $200 in Hilton credits every year, the Hilton Honors American Express Surpass® Card can be a great fit for Hilton loyalists looking to up their travel game.

Pros & Cons
Pros
  • 12x points per $1 at Hilton hotels
  • 6x points per $1 at U.S. supermarkets, U.S. gas stations, and U.S. restaurants
  • 4x points per $1 at U.S. online retail purchases
Cons
Read Full Review
Card Highlights
  • Earn 155,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/14/2026.
  • Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That’s up to $200 in statement credits annually.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
  • Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 4X Points for each dollar on U.S. Online Retail Purchases.
  • Earn 3X Points for all other eligible purchases on your Card.
  • Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
  • Enjoy complimentary Hilton Honors™ Gold status with your Card. Plus, spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year. Terms and Limitations apply.
  • As a Hilton Honors American Express Surpass® Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • $150 annual fee.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
Financial Snapshot
  • APR: 19.99%-28.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Hilton Honors

LIMITED TIME OFFER
Hilton Honors American Express Aspire CardTerms Apply / Rates & Fees
Hilton Honors American Express Aspire Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.

Apply Now(at Amex's secure site)

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Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Hilton Honors American Express Aspire Card
Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.
Earn 175,000 Hilton Honors Bonus Points after you spend $6,000 on eligible purchases on the Hilton Honors American Express Aspire Card within your first 6 months of Card Membership. Offer ends 1/14/2026.
175,000 points
Up to $875
$550
19.99%-28.99% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

Paying hundreds of dollars for an annual fee on a co-branded hotel card might seem ridiculous, but you should know that the Hilton Honors American Express Aspire Card is much more than your run-of-the-mill hotel credit card.

The Hilton Aspire card is not only a phenomenal card for Hilton Honors loyalists, but even those who visit Hilton hotels just a few times a year can still get excellent value out of all the benefits that are packed into this card.

So let’s have a look at what makes the card so valuable to travelers.

Pros & Cons
Pros
  • 14x points per $1 on Hilton purchases
  • 7x points per $1 on flights booked directly with airlines or through American Express Travel, car rentals booked directly with select car rental companies, and at U.S. restaurants
  • 3x points per $1 on all other eligible purchases
Cons
Read Full Review
Card Highlights
  • Earn 175,000 Hilton Honors Bonus Points after you spend $6,000 on eligible purchases on the Hilton Honors American Express Aspire Card within your first 6 months of Card Membership. Offer ends 1/14/2026.
  • Card Members can earn 14X Points on purchases made directly with hotels and resorts within the Hilton portfolio.
  • Card Members can earn 7X Points on purchases of Flights booked directly with airlines or flights booked through American Express Travel, Car rentals purchased directly from select car rental companies, and purchases at U.S. Restaurants.
  • Card Members can earn 3X Points on all other eligible purchases.
  • Enhance your hotel stay with complimentary Hilton Honors™ Diamond Status and enjoy a world of hotel privileges and benefits. Get exclusive perks at any of Hilton's 24 hotel brands, like a 100% Bonus on Base Points earned on every stay, Premium Wi-Fi and space-available room upgrades at select properties, and more.
  • Enjoy an Annual Free Night Reward from Hilton Honors in your first year of Card Membership and every year upon Card renewal.
  • $400 Hilton Resort Credit: Get up to $200 in statement credits semi-annually for eligible purchases made directly with participating Hilton Resorts on your Hilton Honors Aspire Card. That's up to $400 back annually.
  • $200 Flight Credit: Get up to $50 in statement credits each quarter, for a total of up to $200 back each year, on flight purchases made directly with an airline or through amextravel.com using your Hilton Honors American Express Aspire Card.
  • Earn a Free Night Reward from Hilton after you spend $30,000 in purchases on your Card in a calendar year. Plus, you can earn an additional Free Night Reward from Hilton after you spend an additional $30,000 (for a total of $60,000) in purchases on your Card in the same calendar year.
  • $209 CLEAR® Plus Credit: You can receive up to $209 in statement credits per calendar year after you sign up and pay for a CLEAR Plus Membership (subject to auto-renewal) with your eligible Hilton Honors American Express Aspire Card.
  • $100 Property Credit: How it Works: To receive up to $100 in credits for qualifying hotel charges, book a 2-night minimum stay at participating Waldorf Astoria® Hotels & Resorts and Conrad® Hotels & Resorts with your Card through hiltonhonorsaspirecard.com and select the Aspire Card Benefit rate option on the booking page or call Hilton Honors at (855) 292-5757 with the proper booking reference. See Terms & Conditions for further details.
  • Hilton Honors Aspire Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
  • $550 annual fee.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
Financial Snapshot
  • APR: 19.99%-28.99% Variable
  • Foreign Transaction Fees: None
LIMITED TIME OFFER
The Hilton Honors American Express Business CardTerms Apply / Rates & Fees
The Hilton Honors American Express Business Card
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

An excellent option for business owners and business travelers who stay at Hilton properties often and want perks like Hilton Honors elite status.

Apply Now(at Amex's secure site)
The Hilton Honors American Express Business Card
An excellent option for business owners and business travelers who stay at Hilton properties often and want perks like Hilton Honors elite status.
Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in your first 6 months of Card Membership. Offer Ends 1/14/2026.
175,000 points
Up to $875
$195
19.74% - 28.74% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

For frequent business travelers who regularly stay in Hilton hotels, The Hilton Honors American Express Business Card is a great option.

Not only will the card help you earn more points on all of your Hilton stays, but you’ll also receive automatic elite status and travel protections.

Here’s a detailed look at all the benefits this card offers so that you can determine if it’s a good fit for you.

Pros & Cons
Pros
  • Earn 12x points per $1 on eligible Hilton purchases
  • Earn 5x points on other purchases made for the first $100,000 in purchases each calendar year, 3x points thereafter.
  • Complimentary Hilton Honors Gold status, and the ability to spend your way to Diamond status
Cons
Read Full Review
Card Highlights
  • Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in your first 6 months of Card Membership. Offer Ends 1/14/2026.
  • Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
  • Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X Points thereafter.
  • Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
  • Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors™ Gold Status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay.
  • You may receive an upgrade to Hilton Honors™ Diamond Status through the end of the next calendar year if the total eligible purchases that you spend on your Card Account during a calendar year reach $40,000 or more.
  • Terms apply.
Financial Snapshot
  • APR: 19.74% - 28.74% Variable
  • Foreign Transaction Fees: None
Rewards Center

Hilton Honors loyalty program

World of Hyatt

The World of Hyatt loyalty program is another fantastic option to consider for staying at an incredible remote resort in the Maldives.

There are plenty of opportunities to earn lots of World of Hyatt points to help you get there. You will have only one Hyatt property to choose from, but the Park Hyatt Maldives Hadahaa is definitely worth a visit.

Park Hyatt Maldives Hadahaa

Park Hyatt Maldives Hadahaa Deluxe Park Pool Villa
Image Credit: Hyatt

The Park Hyatt Maldives Hadahaa is an incredible resort with a 360-degree house reef just steps away from each villa. The standard award room is a Park Villa, and direct beach access makes it easy for you to snorkel just by walking out the door.

Your standard award room rate will be 30,000 World of Hyatt points per night. While you can’t get an overwater bungalow just on points, hotels will often offer you paid upgrades, which could be worth it in this case. Those rates can depend on status but mainly depend on availability.

To get any exclusive benefits from elite status, you’ll have to go big — only Globalist elite members receive extra benefits.

If you are a World of Hyatt Globalist elite member, you’ll get free breakfast for up to 2 guests, plus complimentary cocktails and canapés from 5 p.m. to 7 p.m. There’s also a chance you could get a complimentary Pool Villa upgrade.

The hotel also provides snorkel gear for all guests that you can borrow from its dive shop for your entire stay, and free yoga classes and kayaking to keep you active!

You can also stay active by participating in some of the paid activities to really enhance your experience in the Maldives. This could include a private island picnic, visiting a local island, or snorkeling with whale sharks and manta rays!

Hot Tip: There’s nothing worse than forgetting to pack essentials. To ensure you’re beach ready, explore our Ultimate Beach Vacation Packing List to make sure you have everything you need. 

How to Earn Points to Stay at Hyatt Properties in the Maldives

Chase offers The World of Hyatt Credit Card and World of Hyatt Business Credit Card, but another way to rack up even more World of Hyatt points is by transferring from Chase Ultimate Rewards. World of Hyatt is a Chase transfer partner with Chase Ultimate Rewards at a rate of 1:1.

Hot Tip: Check out our guide on the best ways to redeem your World of Hyatt points, which includes the easiest way to earn points transferring from Chase Ultimate Rewards.

Marriott Bonvoy

You have lots of options to use the Marriott Bonvoy loyalty program for your stay in the Maldives. Marriott also offers many great opportunities to earn lots of Marriott Bonvoy points.

Marriott currently operates 10 resort properties in the Maldives, including the Le Meridien Maldives Resort & Spa, Lhaviyani Atoll.

Don’t forget that all Marriott Bonvoy members get a fifth night free on award bookings, which can add significant value to your reward stay in the Maldives.

St. Regis Maldives Vommuli Resort

St. Regis Maldives Beach Villa
Image Credit: Marriott

The St. Regis Maldives Vommuli Resort can go for thousands of dollars a night, but luckily this property is now much easier to get on points. That’s if you can find availability, which is rare. Award rates start around 70,000 points but get progressively more expensive during times of demand.

Hot Tip: Award availability is hard to find for the St. Regis Maldives Vommuli Resort. Be sure to check the Marriott Bonvoy mobile app when looking for your reward stays because sometimes it shows more availability than what’s on the website. The search is definitely worth it, because this property is one of the best St. Regis hotel point redemptions out there!

It’s important to account for the cost of transportation to these remote resorts in the Maldives. This property probably has one of the most expensive seaplane transfer costs, running at $665 per person!

But with high costs come high rewards, and the St. Regis Maldives won’t disappoint on service. It provides a butler to help plan your stay with dinners and activities, offers free bike rentals to ride around the island, and also provides free yoga and other group exercise activities daily.

You can even rent your own 68-foot private yacht named Norma to go island-hopping (or escape the island for an overnight getaway)!

The St. Regis Maldives Vommuli Resort will definitely make your dream of the Maldives a reality and provide the most value for your points, especially if you take advantage of the fifth-night free!

W Maldives

W Maldives
Image Credit: Marriott

The W Maldives is an incredible private island resort and makes for a great redemption using your Marriott Bonvoy points.

This could cost you as few as 70,000 points per night but the price will increase during times of higher demand. It’s also possible to book an overwater bungalow on points. This will be at a higher rate than the standard room and starts at 135,000 points per night.

The W Maldives offers both seaplane and speedboat transfers — the seaplane costs around $500 and the speedboat costs $350.

The W Maldives does have a house reef, so you can just snorkel right out from your room. It also has plenty of additional activities you can book, like swimming with whale sharks and manta rays, or sunset sail cruises.

JW Marriott Maldives Resort & Spa

JW Marriott Maldives
JW Marriott Maldives. Image Credit: Marriott

JW Marriott opened in 2019, and it’s shaken up the competition in the Maldives.

It’s is situated on Vagaru Island on the Shaviyana Atoll, meaning you’ll have to pony up $600 per person for a round-trip seaplane transfer to access this resort.

Perhaps the coolest part about this resort is that the “base” level rooms are overwater villas, which means you can book these for as few as 70,000 points per night during periods of low demand.

There are 5 restaurants and 3 bars, in addition to 2 outdoor pools, a kids’ pool, game room, gym, spa, and even a salon. If you’re looking for activities during your stay, you can go boating, kayaking, snorkeling, jet skiing, sailing, scuba diving, water skiing, and even play table tennis or volleyball!

Westin Maldives Miriandhoo Resort

Westin Maldives
Westin Maldives Miriandhoo Resort. Image Credit: Marriott

The Westin Maldives Miriandhoo Resort is a Marriott property focusing on sustainable luxury. Standard rooms at this property start at around 50,000 points per night during periods of low demand. 

This is one of the newer Marriott options, which makes it an appealing property for honeymooners and other demographics.

You’ll also have to take a 35-minute seaplane flight to get to this resort costing $550 per person round-trip, but once you’re there, you can explore all the resort has to offer.

Located on Baa Atoll, this property features 3 eateries, a luxe bar, barbecues, and even tennis courts. Notably, this resort is within a biosphere reserve, and you’re close to snorkeling with sharks and manta rays.

Of course, water sports are available, such as kayaking, jet-skiing, and more. To pamper yourself, you can check out the spa with a classic glass floor looking into the depths of the sea.

Sheraton Maldives Full Moon Resort & Spa

Sheraton Maldives Aerial
Image Credit: Marriott

The Sheraton Maldives Full Moon Resort & Spa would probably be our last choice when looking to redeem points for an award stay in the Maldives.

It is not far from the international airport (only 15 minutes by speedboat), making it a less remote destination compared to other resorts. Also, the shared speedboat transfers are complimentary to all guests at this resort. That does help save a bundle on costs, especially compared to the $500-$800 per person you’ll pay at other properties.

The Sheraton Maldives starts at 40,000 points per night during periods of low demand. 

While redeeming points at this property will still provide tremendous value, it is usually the least expensive when booking regular rates with cash.

How to Earn Points to Stay at Marriott Properties in the Maldives

We’ve already covered multiple ways to earn lots of Marriott Bonvoy points from our favorite Marriott Bonvoy credit cards.

If you’re not transferring your Marriott Bonvoy points to its many airline partners to get you to the Maldives, using your points to cover your stay is another great option!

With tons of fantastic properties available, you have plenty of options to use your Marriott Bonvoy points for your stay in the Maldives.

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Final Thoughts

We hope that this guide will help you make the trip to the Maldives — one of the most sought-after dream vacation destinations — for a fraction of the cost by utilizing your points and miles.

While the Maldives is a luxury destination, we don’t want you to pay luxury prices! Taking a special trip to the Maldives is the perfect time to start using your hard-earned points and miles to upgrade your travel style.

Our recommendation for the best airline reward program for your luxury business or first class flight is either:

  • American Airlines AAdvantage for Qatar Airways QSuites — 70,000 one-way in business class

For the best hotel loyalty reward program to use for your exotic private island resort in the Maldives, we recommend:

  • Conrad Maldives for 78,000 points per night using the fifth-night free benefit
  • W Maldives for 68,000 points per night using the fifth-night free benefit during the standard season

We know availability can be tough to find, but it’s worth spending some time looking into all your options! Persistence is key — sometimes hotels and airlines release reward space sporadically, so it’s always best to keep checking and using different avenues to search for award space.

Featured Image Credit: Andrew Kunesh

Frequently Asked Questions

What are the best ways to fly to the Maldives?

We recommend using American Airlines miles to fly with Etihad, Qatar Airways, or British Airways. Another great option is to use Alaska Airline points to fly British Airways, Condor, Malaysia Airlines, and Qatar Airways.

Brandon Brunner's image

About Brandon Brunner

Brandon was born and raised in California and really didn’t travel much growing up, even outside of his own state. While attending college, he was constantly looking to find the cheapest fares to any destination abroad, and quickly learned about the motto- “Chase the fare, not the destination”. Luckily, his first international flight was to Costa Rica (under $300 roundtrip) where that “Pura Vida” lifestyle (and Imperials) hit him hard, and he knew he had to see more.

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