For many, the $500-plus annual fees that come with ultra-premium travel cards such as the Chase Sapphire Reserve® (see rates and fees) and The Platinum Card® from American Express (see rates and fees) aren’t justifiable. If you aren’t traveling regularly and utilizing the full lineup of perks and credits, it may not be worth adding…

Like most hotel loyalty programs, Hilton Honors only offers elite benefits and earnings when you book directly. So, the obvious question before booking a specific stay is: Should I book directly with Hilton Honors? Here’s a look at the value you’ll get when booking directly and what booking directly means for the Hilton Honors program….