Million Mile Secrets reader Christopher comments:
I was looking at the Virgin Atlantic terms and conditions and it looks like they now transfer miles to Hilton points at a rate of 2 Virgin Atlantic miles to 3 Hilton HHonors points.
Also, please double check my math, but the highest earning Hilton point credit card would actually be the Bank of America Virgin Atlantic MasterCard? You get 13 HHonors points per $1 (after you convert the 2 Flying Club miles to 3 Hilton points).
Christopher wants to know if the Bank of America Virgin Atlantic MasterCard, which earns 1.5 miles per $1 you spend on regular purchases (including hotels) is the best card for earning points on Hilton hotel stays.
Virgin Atlantic miles transfer to Hilton at a 2:3 ratio. But depending on how you set-up your Hilton account, you could “double-dip” and earn both Virgin Atlantic miles and Hilton points on hotel stays.
Then transfer the Virgin Atlantic miles earned from double-dipping and from using the credit card to Hilton points.
You Can Earn Virgin Atlantic Miles AND Hilton Points on Hilton Stays
Is the Virgin Atlantic card the best card for Hilton stays? Let’s find out!
Bank of America Virgin Atlantic Card
Link: Bank of America Virgin Atlantic MasterCard
The Bank of America Virgin Atlantic MasterCard has had better sign-up bonuses in the past. Currently, with this card, you’ll get:
20,000 miles after your 1st purchase
25,000 miles if you spend at least $12,000 in qualifying purchases in the 1st 6 months
Up to 15,000 miles on your card anniversary
Up to 5,000 miles when you add authorized users to your card
3 miles per $1 you spend on Virgin Atlantic
1.5 miles per $1 you spend on everything else
Annual fee of $90, NOT waived for the 1st year
Earn up to 65,000 Virgin Atlantic Miles (but Only After Spending a LOT) With the Virgin Atlantic MasterCard
There’s no bonus for purchases other than Virgin Atlantic with this card, so you’ll earn 1.5 miles per $1 you spend at hotels. But you can transfer the miles you earn to Hilton at a 2:3 ratio.
Note: You can only transfer Virgin Atlantic miles to Hilton points in 10,000 mile increments.
Earning Points at Hilton Hotels
Link: Hilton Hotels
Link: Hilton HHonors Earning Preferences (Log-In Required)
Hilton HHonors lets members decide how they earn points on Hilton stays. You can “Double Dip” to earn a combination of points and airline miles, or choose to earn just Hilton points. Log into your Hilton account and go to “Preferences“ to change your earning style.
You Can Earn Hilton Points, or a Combination of Points and Airline Miles on Your Hilton Stays
If you pick “Points & Miles” as your earning style, you’ll earn 10 Hilton points per $1 you spend at Hilton hotels (except Home2 Suites), plus 1 or more airline mile per $1 you spend.
If you choose Virgin Atlantic as your preferred travel partner, you’ll earn 2 Virgin Atlantic miles per $1 you spend at Hilton (in addition to 10 Hilton points per $1).
Folks who choose “Points & Points” earn 15 Hilton points per $1 they spend at Hilton hotels (except Home2 Suites).
Let’s Do the Math
Points & Miles
Using Christopher’s strategy, suppose you chose “Points & Miles” as your Hilton earning style, and used the Bank of America Virgin Atlantic MasterCard for your stay. For each $1 you spend, you’d earn:
10 Hilton points from Hilton hotels (through the Points & Miles option)
2 Virgin Atlantic miles from Hilton hotels (through the Points & Miles option)
1.5 Virgin Atlantic miles from using the Virgin Atlantic card
You’d earn a total of 10 Hilton points and 3.5 Virgin Atlantic miles per $1 you spend. The 3.5 Virgin Atlantic miles transfer to Hilton points at a 2:3 ratio, so they’d become 5.25 Hilton points (3.5 x 1.5).
So after transferring Virgin Atlantic miles to Hilton, you’d earn a grand total of 15.25 Hilton points per $1 you spend (10 points directly from Hilton + 5.25 points from transferring Virgin Atlantic miles).
Using the Points & Miles Option With the Virgin Atlantic Card, You’d Earn 15.25 Hilton Points per $1 You Spend at Hotels Like the Hilton Times Square in New York
Points & Points
What if you pick “Points & Points” as your earning style, and use the Bank of America Virgin Atlantic MasterCard for your stay? For each $1 you spend, you’d earn:
15 Hilton points from Hilton hotels (through the Points & Points option)
1.5 Virgin Atlantic miles from using the Virgin Atlantic card
At a 2:3 ratio, you could transfer 1.5 Virgin Atlantic miles to Hilton and get 2.25 Hilton points (1.5 x 1.5).
So you’d earn a grand total of 17.25 Hilton points per $1 you spend (15 points directly from Hilton + 2.25 points from transferring Virgin Atlantic miles).
Choose Points & Points and Use Your Virgin Atlantic Card to Earn 17.25 Points per $1 at Hotels Like the Doubletree Resort by Hilton Phuket
So you should choose “Points & Points” as your earning style to earn the most Hilton points.
What About Hilton Cards?
Can you do better using a Hilton credit card for your stays instead? Let’s look at what these cards earn at Hilton hotels using the “Points & Points” earning style.
American Express Hilton HHonors
Link: American Express Hilton HHonors
The American Express Hilton HHonors card earns 7 Hilton points per $1 you spend at Hilton hotels. It has no annual fee and has a sign-up bonus of 50,000 points after spending $750 in the 1st 3 months.
For each $1 you spend, you’d earn:
15 Hilton points directly from Hilton
7 Hilton points from using the American Express Hilton HHonors card
That’s a grand total of 22 Hilton points per $1 you spend.
American Express Hilton HHonors Surpass
Link: American Express Hilton HHonors Surpass
You’ll earn 12 Hilton points per $1 you spend at Hilton hotels with the American Express Hilton HHonors Surpass card.
Until February 28, 2015, the sign-up bonus is 80,000 points after you spend $3,000 in the 1st 3 months. But there’s a $75 annual fee which is not waived.
For each $1 you spend, you’d earn:
15 Hilton points directly from Hilton
12 Hilton points from using the American Express Hilton HHonors Surpass card
In total, you’d earn 27 Hilton points per $1 you spend.
You Could Earn a LOT of Hilton Points by Choosing the Right Credit Card to Use at the Conrad Maldives Rangali Island
Citi Hilton HHonors Reserve
Link: Citi Hilton HHonors Reserve
The sign-up bonus on the Citi Hilton HHonors Reserve card is 2 free weekend nights at any Hilton hotel (with a few exceptions) after you spend $2,500 in the 1st 4 months. Plus you’ll get a $100 statement credit after spending $100 at a Hilton hotel within the 1st 3 months.
The annual fee of $95 is not waived. This card earns 10 Hilton points per $1 you spend at Hilton hotels.
For each $1 you spend, you’d earn:
15 Hilton points directly from Hilton
10 Hilton points from using the Citi Hilton HHonors Reserve card
So you’d earn a total of 25 Hilton points per $1 you spend.
Citi Hilton HHonors Visa Signature
Link: Citi Hilton HHonors Visa Signature
The Citi Hilton HHonors Visa Signature card has a sign-up bonus of 40,000 points after you spend $1,000 in the 1st 4 months. Plus, you’ll get a $50 statement credit after spending $50 at a Hilton hotel in the 1st 3 months.
There’s no annual fee, and you’ll earn 6 Hilton points per $1 you spend at Hilton hotels.
For each $1 you spend, you’d earn:
15 Hilton points directly from Hilton
6 Hilton points from using the Citi Hilton HHonors Visa Signature card
In this case, you’d earn a total of 21 Hilton points per $1 you spend.
So What’s the Verdict?
Here’s a summary of what each of these cards earns when used at Hilton hotels, along with their sign-up bonus and annual fee (if any).
Credit Card
Points per $1 Spent at Hilton Hotels
Sign-Up Bonus
Annual Fee
Bank of America Virgin Atlantic MasterCard
17.25
Up to 65,000 miles
$90
American Express Hilton HHonors
22
50,000 points
None
American Express Hilton HHonors Surpass
27
80,000 points
$75
Citi Hilton HHonors Reserve
25
2 free weekend nights at (almost) any Hilton + $100 statement credit for Hilton stay
$95
Citi Hilton HHonors Visa Signature
21
40,000 points + $50 statement credit for Hilton stay
None
So the American Express Hilton HHonors Surpass card earns the highest number of points (27) per $1 you spend at Hilton hotels. That’s much better than the 17.25 points you’d earn using the Bank of America Virgin Atlantic MasterCard.
That said, my favorite card is still the Citi Hilton HHonors Reserve card, because the sign-up bonus of 2 free weekend nights at almost any Hilton is the most valuable. And it earns 25 points per $1 you spend at Hilton hotels (only 2 fewer points than the Hilton HHonors Surpass card).
Bottom Line
You can earn a lot of points on Hilton stays by using the right credit card.
Some, like the Bank of America Virgin Atlantic MasterCard, let you double-dip by earning miles that can later be transferred to Hilton points. With that card, you could earn as many as 17.25 Hilton points per $1 you spend.
But the cards that earn the most points are Hilton credit cards, like the American Express Hilton HHonors, American Express Hilton HHonors Surpass, Citi Hilton HHonors Reserve, or Citi Hilton HHonors Visa Signature. Depending on the card, you could 21 to 27 points per $1 you spend at Hilton hotels!
Thanks for the comment, Christopher!
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Comments
Daraius – do you have another link that provides the $100 ... by Steve
As far as I can tell, the City HHonor Reserve does not ... by Joe S
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