Using Hilton HHonors ‘points and money’ hotel rewards to maximise value
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Hilton HHonors underwent a major devaluation in 2013 which severely impacted the ‘aspirational’ elements of the programme. A top-end property in London or New York will now cost you up to 80,000 points per night, compared with just 60,000 points for an InterContinental redemption with IHG Rewards Club.
I currently value Hilton HHonors point at £3 per 1,000 when used for top-end properties, based on 80,000 points for a £250 room.
Luckily, Hilton’s ‘points and money’ rewards were not hit so hard.
‘Points and money’ rewards let you book a room for just 40% of the cost of a normal award night, plus a cash sum. You don’t need to be a maths genius to realise that, as long as this cash sum is less than 60% of the normal room rate for the hotel, you will be getting better value for your points.
Unfortunately, ‘points and money’ rewards are not always available. Because they are basically a way for a hotel to discount the cost of redemption nights, they tend to be held back for quiet periods. However, they can still offer value.
Today I want to take a more detailed look at the Doubletree London Victoria as an example of ‘points and money’ availability.
For Saturday 11th September:
Cancellable Hilton HHonors cash rate: £242
‘All points’ redemption: 60,000 points
‘Points and money’ redemption: 24,000 points + £65
The ‘all points’ redemption gets you £4.03 per 1,000 points – better than my 0.3p per point benchmark. ‘Points and money’ gets you £4.91 per 1,000, which is 20% better and near my benchmark of 0.5p.
Because the cash element is fixed, you can find even more extreme examples on days where standard room rates are very high and where ‘points and money’ is showing. If you can find availability, it does offer better value for your Hilton HHonors points.
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How to earn Hilton Honors points and status from UK credit cards (June 2025)
There are various ways of earning Hilton Honors points from UK credit and debit cards. Many cards also have generous sign-up bonuses.
There are two dedicated Hilton Honors debit cards. These are especially attractive when spending abroad due to the 0% or 0.5% FX fee, depending on card.
SPECIAL OFFER: Until 14th August 2025, the sign-up bonus on the Hilton Honors Plus debit card is TRIPLED to 30,000 Hilton Honors points. You will also receive Gold Elite status in Hilton Honors for as long as you hold the card. Click here for our full card review and click here to apply.
You also receive FREE Hilton Honors status for as long as you hold the debit cards – Gold status with the Plus card and Silver status with the basic card. This is a great reason to apply even if you rarely use it.
We reviewed the Hilton Honors Plus Debit Card here and the Hilton Honors Debit Card here.
You can apply for either card here.

NEW: Hilton Honors Plus Debit
30,000 bonus points (to 14th August), Hilton Gold status and NO FX fees Read our full review

NEW: Hilton Honors Debit
2,500 bonus points, 50% fee discount, Hilton Silver status and 0.5% FX fees Read our full review
There is another way of getting Hilton Honors status, and earning Hilton Honors points, from a payment card.
Holders of The Platinum Card from American Express receive FREE Hilton Honors Gold status for as long as they hold the card. It also comes with Marriott Bonvoy Gold, Radisson Rewards Premium and MeliaRewards Gold status.
We reviewed The Platinum Card from American Express in detail here and you can apply here.

The Platinum Card from American Express
50,000 bonus points and great travel benefits – for a large fee Read our full review
You can also earn Hilton Honors points indirectly with:
- American Express Preferred Rewards Gold Credit Card (20,000 bonus Amex points)
- The American Express Rewards Credit Card (10,000 bonus Amex points)
and for small business owners:
- The American Express Business Gold Card (20,000 bonus Amex points)
- The American Express Business Platinum Card (50,000 bonus Amex points)
The conversion rate from American Express to Hilton Honors points is 1:2.
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