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Hilton Honors Transfer Partners & How To Use Them [2023]

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Stephen Au
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Stephen Au

Senior Content Contributor

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Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used...
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Hilton’s hotel loyalty program is called Hilton Honors. With a rich history dating back to 1987 and a gigantic portfolio of brands and hotels, chances are you’ll eventually encounter Hilton in your travel planning, even if you don’t currently seek its hotels out.

Most of us don’t ever consider transferring points out of Hilton; in fact, most of us points enthusiasts ever only think about transferring points into Hilton to top up a points shortage and make a points redemption.

But in some cases, you might have a bunch of Hilton Honors points that you don’t have an immediate use for, even though there are tons of amazing ways to use Hilton Honors points.

In this guide, we’ll walk you through all of Hilton’s transfer partners and show you how to transfer your points from Hilton to a partner.

Hilton Airline Transfer Partners

The Hilton Honors program currently has 26 airline transfer partners, and each of them maintains its own transfer ratios and rules.

At the moment, most of the points transfer at a 10:1 ratio, which means you’ll need to redeem 10,000 Hilton Honors points to earn 1,000 airline miles.

Because of this transfer ratio, you’ll need to carefully consider whether it’s worthwhile to transfer your Hilton Honors points.

Transfer times can take up to 30 days, which may not be as helpful if you want to put an award on hold.

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Hilton Honors Airline Transfer PartnerMinimum Points TransferTransfer Ratio (Hilton > Airline)
Aeromexico Club Premier25,00025:6.5
Air Canada Aeroplan10,00010:1
Air France/KLM Flying Blue20,00010:1
AirAsia BIG10,00010:2
All Nippon Airways (ANA) Mileage Club10,00010:1
Asiana Airlines Asiana Club10,00010:1
British Airways Executive Club10,00010:1
Cathay Pacific Asia Miles10,00010:1
China Eastern Eastern Miles10,00010:1
Delta SkyMiles10,00010:1
Emirates Skywards10,00010:1
Ethiopian Airlines ShebaMiles10,00010:1
Etihad Guest10,00010:1
EVA Air Infinity MileageLands10,00010:1
Hainan Airlines Fortune Wings Club25,0002.5:1
InterMiles10,00010:1
Japan Airlines Mileage Bank10,00010:1
Malaysia Airlines Enrich10,00010:1.2
Qantas Frequent Flyer10,00010:1.5
Qatar Airways Privilege Club10,00010:1
Saudia Alfursan10,00010:1
Singapore KrisFlyer4,0008:1
Turkish Airlines Miles&Smiles10,00010:1
United MileagePlus10,00010:1
Virgin Atlantic Flying Club10,00010:1.5
Virgin Australia Velocity10,00010:1.5

Earning Hilton Honors

There are a total of 4 Hilton credit cards currently open for new applications.

While each of them offers unique perks and drawbacks, all of them usually come with huge bonus categories to accumulate Hilton Honors points quickly, a sizable welcome bonus, complimentary Hilton Honors elite status, and various statement credits.

Hilton Honors American Express CardTerms Apply / Rates & Fees

Hilton Honors American Express Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's 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!

Learn More(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 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership.
80,000 points
$400
$0
20.99%-29.99% 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 cardapplication.
Good to Excellent (670-850)

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

  • 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
  • Complimentary Hilton Honors Silver status
  • No annual fee (rates & fees)
  • No foreign transaction fees (rates & fees)

Cons

  • Not great for those who want multiple redemption options
  • Offers the least benefits of all Hilton cards
  • Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged 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. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • No Annual Fee.
  • Terms Apply.

Financial Snapshot

  • APR: 20.99%-29.99% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Hilton Honors Loyalty Program

Hilton Honors American Express Surpass® CardTerms Apply / Rates & Fees

Hilton Honors American Express Surpass® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's 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.

Learn More(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 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.
130,000 points
$650
$150
20.99%-29.99% 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 cardapplication.
Good to Excellent (670-850)

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

  • 12x points per $1 at Hilton hotels
  • 6x points per $1 U.S. supermarkets, U.S. gas stations, and U.S. restaurants
  • 4x points per $1 at U.S. online retail purchases
  • 3x points per $1 on all other purchases
  • Complimentary Hilton Honors Gold status
  • No foreign transaction fees

Cons

  • Annual fee of $150.
  • Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.
  • Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass® Card.
  • 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 Hilton Honors American Express Surpass® Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors™ Diamond Status through the end of the next calendar year.
  • Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • $150 annual fee.
  • Terms Apply.

Financial Snapshot

  • APR: 20.99%-29.99% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Hilton Honors

Hilton Honors American Express Aspire CardTerms Apply / Rates & Fees

Hilton Honors American Express Aspire Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's 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.

All information about Hilton Honors American Express Aspire Card has been collected independently by Upgraded Points.

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 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 180,000 Hilton Honors Bonus Points with the Hilton Aspire card from American Express after you use your new card to make $6,000 in eligible purchases within the first 6 months of card membership.
180,000 points
$900
$550
20.74% - 29.74% 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 cardapplication.
Good to Excellent (670-850)

The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.


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

  • 14x points per $1 on Hilton purchases
  • 7x points per $1 on select travel and at U.S. restaurants
  • 3x points per $1 on all other purchases
  • Complimentary Hilton Diamond status
  • Up to $400 in annual statement credits on purchases with participating Hilton Resorts (up to $200 in statement credits semi-annually)
  • Up to $200 back annually on eligible flight purchases (up to $50 in statement credits each quarter)
  • 1 Free Weekend Night Award each cardmember anniversary
  • $100 credit at Waldorf Astoria and Conrad properties

Cons

  • High annual fee of $550
  • Earn 180,000 Hilton Honors Bonus Points with the Hilton Aspire card from American Express after you use your new card to make $6,000 in eligible purchases within the first 6 months of card membership. Plus, enjoy a free Weekend Night Reward within your first year and every year after renewal.
  • Earn 14x Hilton Honors Bonus Points when you make eligible purchases on your card at participating hotels or resorts within the Hilton portfolio.
  • Earn 7x Hilton Honors Bonus Points for eligible purchases: on flights booked directly with airlines or amextravel.com, on car rentals booked directly from select car rental companies, and at U.S. restaurants.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your card.
  • Enjoy up to $400 in Hilton Resort Credits (up to $200 in statement credits semi-annually) on your card each anniversary year when you stay at participating resorts within the Hilton portfolio.
  • Enjoy complimentary Diamond status.
  • $550 annual fee.

Financial Snapshot

  • APR: 20.74% - 29.74% Variable
  • Foreign Transaction Fees: None

Card Categories

The Hilton Honors American Express Business CardTerms Apply / Rates & Fees

The Hilton Honors American Express Business Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's 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.

Learn More(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.
Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.
130,000 points
$650
$95
20.99% - 29.99% 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 cardapplication.
Good to Excellent (670-850)

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, complimentary Priority Pass visits, travel protections, and the opportunity to earn free night certificates.

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

  • 12x points per $1 on Hilton purchases
  • 6x points per $1 at U.S. gas stations, on wireless telephone services purchases directly from U.S. service providers, and on U.S. purchases for shipping
  • 6x points per $1 at U.S. restaurants, on flights booked directly with airlines or with Amex Travel, and on car rentals booked directly from select car rental companies
  • 3x points per $1 on all other purchases
  • Automatic Hilton Honors Gold status, and the ability to spend your way to Diamond status
  • 10 complimentary Priority Pass visits
  • Free Weekend Night Reward after $15,000 in spend in a calendar year, and a second after you spend $60,000
  • No foreign transaction fees (rates and fees)

Cons

  • Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.
  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X directly with hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
  • Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card.
  • Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
  • Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
  • Terms apply.

Financial Snapshot

  • APR: 20.99% - 29.99% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Hilton Honors loyalty program

How To Transfer Hilton Honors

If you’re looking to transfer Hilton Honors points to a partner, you’ll want to follow these steps:

Step 1: Visit the Exchange Points section of Hilton’s website. You’ll be prompted to log into your Hilton Honors account. Enter your Hilton Honors number, password, and verify the reCAPTCHA. Then, click Sign In.

Hilton Honors sign in
Image Credit: Hilton

Step 2: You’ll be redirected to the Exchange Points page. Click on the box that says Use Points to get miles. Then, you’ll see a line under the dropdown box that says Is your travel partner missing from the list? Add one now. Click Add one now.

Hilton Honors Is your travel partner missing from the list
Image Credit: Hilton

Step 3: You’ll be redirected to your Preferences page. Scroll down to the Preferred Travel Partners section and choose your Partner Name, enter your Member Number, and click Save Changes.

Hilton Honors Preferences
Image Credit: Hilton

Step 4: Visit the Exchange Points section of Hilton’s website again and click Use Points to get miles again. This time, you should see your transfer partner appear in the Transfer Partner dropdown box. Then, choose the desired transfer amount in Exchange rate and click Next.

Hilton Honors transfer partner
Image Credit: Hilton

Step 5: Verify that all of the information is correct when reviewing your request and click Submit.

Hilton Honors transfer submission
Image Credit: Hilton

Booking Hotel Stays With the Hilton Honors Website

In most cases, it makes a ton of sense to use your Hilton Honors points for stays at Hilton properties.

That’s because Hilton’s luxury properties, which could otherwise cost more than $1,000 per night, can be booked at a value that exceeds the commonly accepted valuation of 0.5 cents per point.

In many cases, you can book a $1,000 per night hotel room for 95,000 Hilton Honors points, effectively doubling your achieved value to more than 1 cent per point.

Furthermore, you can get an even better deal with your points, thanks to the fifth reward night free benefit, which allows you to get a free fifth night when booking stays of 4 or more nights.

That’s why we generally recommend using your Hilton Honors points for hotel stays!

Should You Transfer to a Partner or Book Hotel Stays?

So the question is, “Should I transfer my points to a partner or redeem them for free hotel stays?”

Practically speaking, you should only transfer your Hilton Honors points to a partner if you don’t have any other alternatives.

For example, if you have 90,000 Singapore Airlines KrisFlyer miles but need 92,000 miles for a flight redemption, you might consider transferring 16,000 Hilton Honors points to earn 2,000 more KrisFlyer miles (8:1 ratio).

This would only make sense if you didn’t have any more flexible rewards points like Chase Ultimate Rewards points.

The other situation in which it makes sense to transfer Hilton Honors points to a partner instead of booking hotel stays is if you don’t intend on staying at Hilton properties anymore. Perhaps you were a Hilton loyalist in the past but have since pivoted your loyalty to Marriott Bonvoy or World of Hyatt. What can you do with your leftover stack of points? You can transfer them to an assortment of airlines and at least get some value towards flights, for example.

Other Ways To Use Your Points

There are 2 other ways to use your Hilton Honors points besides hotel stays and transfer partners:

  • Charitable donations via the Hilton Honors Giving Back Program
  • Amazon.com purchases

When you make charitable donations, you can do so in increments of 10,000 points. For every 10,000 Hilton Honors points donated, the charity will receive a $25 donation. That’s a value of 0.25 cents per point.

For Amazon.com purchases, your Hilton Honors points are redeemable at a rate of 500 points per $1. That’s a value of 0.2 cents per point.

Combining Hilton Honors From Different Accounts

There are 2 ways to combine Hilton Honors points: Pool Your Points and Transfer Your Points.

There are a few restrictions:

  • You can transfer in increments of 1,000 points and up to 500,000 points per calendar year
  • You can receive up to 2,000,000 points per year from combined points pooling or transfers every calendar year
  • You are limited to 6 points transfers and 6 points pooling transactions every calendar year
  • You can only pool, transfer, or receive points 30 days after enrollment as long as you have activity on your account; if you don’t have any activity, you’ll need to wait at least 90 days after enrollment to receive, pool, or transfer any points

Pool Your Points

Points pooling is the process of combining Hilton Honors points across a group of up to 10 members to utilize towards a group’s reward stay.

After navigating to the Pool Your Points page, just fill out the member information, scroll down to acknowledge the terms and conditions, and click Create my pool and send invitations.

Points pooling
Image Credit: Hilton

Points pooling submit
Image Credit: Hilton

Transfer Your Points

On the other hand, point transfers are performed from 1 member to another and are irreversible.

Click through to the Transfer Your Points page, select the number of points you want to transfer, and enter the member information for the person you’d like to transfer the points to.

Points transfer
Image Credit: Hilton

Redeeming Hilton Honors Points

As we go through the exercise for redeeming Hilton Honors points, it’s becoming apparent that the best way to use your Hilton Honors points is for free stays at Hilton properties, particularly luxury brands like Waldorf Astoria and Conrad.

Even though there is a dizzying number of transfer partners, it’s generally not a good idea to transfer your Hilton Honors points to these partners due to subpar transfer ratios.

There are a few niche situations in which it could make sense overall, especially if you’re short a few thousand airline miles for a redemption you want to book.

In an overwhelming majority of situations, though, we recommend saving your points for a hotel stay redemption.

Final Thoughts

Hilton Honors is one of the major hotel loyalty programs in the world, supporting Hilton’s huge footprint with numerous brands in almost every country you can think of.

If you’re accumulating lots of Hilton Honors points through co-branded Amex credit card spending, you’re probably thinking about all the best ways to use your Hilton Honors points.

Sure, Hilton Honors is a transfer partner to more than 25 airlines, but as the transfer ratio isn’t favorable and other redemption avenues like charity and Amazon are also mediocre, we recommend sticking to hotel stays as the best way to use Hilton Honors points.

We hope you’ve found this comprehensive guide useful in helping you learn more about Hilton Honors’ transfer partners, how to perform transfers, and whether or not you should transfer your points.

The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of the Hilton Honors American Express Card, click here.
For rates and fees for The Hilton Honors American Express Surpass® Card, click here.
For rates and fees of The Hilton Honors American Express Business Card, click here.

Frequently Asked Questions

What airlines does Hilton partner with?

Hilton Honors currently partners with the following airlines:

  • Aeromexico Club Premier
  • Air Canada Aeroplan
  • Air France/KLM Flying Blue
  • AirAsia BIG
  • All Nippon Airways (ANA) Mileage Club
  • Asiana Airlines Asiana Club
  • British Airways Executive Club
  • Cathay Pacific Asia Miles
  • China Eastern Eastern Miles
  • Delta SkyMiles
  • Emirates Skywards
  • Ethiopian Airlines ShebaMiles
  • Etihad Guest
  • EVA Air Infinity MileageLands
  • Hainan Airlines Fortune Wings Club
  • InterMiles
  • Japan Airlines Mileage Bank
  • Malaysia Airlines Enrich
  • Qantas Frequent Flyer
  • Qatar Airways Privilege Club
  • Saudia Alfursan
  • Singapore KrisFlyer
  • Turkish Airlines Miles&Smiles
  • United MileagePlus
  • Virgin Atlantic Flying Club
  • Virgin Australia Velocity

Do Hilton Honors points transfer to airlines?

Yes — over 25 of them! Each airline has a unique transfer ratio with Hilton Honors and transfer can take up to 30 days.

Can I transfer Hilton Honors points to Delta?

Yes! Although the transfer ratio is a paltry 10:1, it’s still possible to transfer Hilton Honors points to Delta SkyMiles.

Can you transfer Hilton Honors points to Marriott Bonvoy?

No. Currently, it’s not possible to transfer Hilton Honors points directly to Marriott Bonvoy.

Can I transfer my Hilton Honors points to someone else?

Yes! It’s free to do so, and you can transfer points to someone else by visiting this link.

Do Hilton Honors points expire?

Yes, Hilton Honors points expire after 24 months of inactivity. However, any qualifying earning/redeeming activity will extend your points.

What is the best Hilton hotel brand?

The best Hilton hotel brands are Waldorf Astoria, Conrad, LXR Hotels & Resorts, and Curio Collection, in terms of most luxurious and pricey.

What does 75,000 Hilton Honors points get you?

75,000 Hilton Honors points can get you anywhere from 15 nights in a midscale Hilton Garden Inn in India or 1 night in an opulent luxury Hilton-branded resort, like Waldorf Astoria Ras Al Khaimah, Conrad Miami, or Diplomat Beach Resort Hollywood, Curio Collection by Hilton.

How much are 100k Hilton Honors points worth?

100k Hilton Honors points are worth around $500, according to our valuations. However, it’s very possible to get around $1,000 of value from 100k Hilton Honors points if you redeem them at luxury hotels and resorts.

How much are 50,000 Hilton Honors points worth?

50,000 Hilton Honors points are worth around $250, according to our valuations. It’s possible, however, to get better (or worse!) value from this. Luxury hotels generally offer better value than midscale hotels.

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About Stephen Au

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.

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