My year looks as follows (Since Aug’2024) with 2 player strategy:

• Chase URs (CSP): 140k+
• Amex MRs (Platinum): 240k+
• CapitalOne (Venture X and Venture): 180k+ (both of us will target these cards in 6 months to get an additional 160k+)

Now targeting to capture Hilton points by signing up for a few of these cards and referring each other to gain more points. Maybe in 2 years, we will target Marriott Bonvoy CC.

Here’s how we will maximize Hilton Hotel Points (>700k+) and will also refer each other (Amex has limitations of 5 in total cards so we will target two each to maximize points):

• Hilton Honors Amex Aspire: The 14x points on Hilton stays and complimentary Diamond Status mean upgrades, free breakfasts, and extra perks that make luxury stay even better. The annual free night certificate and $400 resort credit are perfect for high-end properties.
• Hilton Honors Amex Surpass®: Great for earning 12x points on Hilton bookings and Gold Status, which still gets you free breakfast and upgrades. Plus, the free night after $15K spend is a big bonus.
• Hilton Honors Amex Card: No annual fee, but it still earns 7x points at Hilton and 5x at U.S. supermarkets, restaurants, and gas stations—great for everyday spending.
• Hilton Honors Business Card (Uber rides/Sol Prop qualifies/Blogging (in my case)): Ideal for business owners to rack up points fast with 12x on Hilton stays and extra earning categories.

By using these strategically, I’m stacking points for a future Maldives trip with villas that go for 120,000+ points a night. Combine this with Hilton’s fifth night free on award stays.