For instance, American Airlines partners with Hilton Hotels and will allow you to convert a minimum of 5,000 air miles to 10,000 Hilton HHonors points; that will get you within 2,000 points of a free night at the hotel chain.

Card selection for hilton hhonors platinum credit card application is maintained and reviewed by our panel editors.

The best basic tests to consider when weighing one platinum card against another—to see if one is a real-deal platinum card and the other a pretender—is to measure up the major factors that go into a credit card agreement.

Your credit record is one of the main factors that lenders use to decide whether or not to grant you a loan.

For instance, Intellidyn charges $31,395/month for its platinum level information, for which Intellidyn promises to let lenders know about every mortgage inquiry or application in any designated area in the U.S.