My fellow road warrior 🐠, I have 110K Hilton points and want to open Hilton honors card ($95 annual fee) that will get me to 250K points (once I spend $2K in first 3 months). Already have 6-7 credit cards and no outstanding balances. Doing it to book hotel travel with family later this year. Is it worth it to pay $100/year? What will 250K get me? TIA

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Just look up the dollar value of the points. There are plenty of sites that have this or you can simply go to the chain's site and check an equivalent dollar and point reservation and figure it out. See how it compares to the dollar cost of the card. If it's worth more and you don't mind the credit check hit, then go ahead.

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General rule of thumb is .5 centa per point. That comes out to $1000. My credit score is above 800 so won’t mind taking a hit but it’s npv value of it vs paying $100 every year that bothers me.

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Do you get a free night each year with the card? Marriott does a free night worth up to 35k points for their $95 fee card I believe

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