With the many different credit card bonuses, travel portals, and loyalty clubs out there, sometimes it's hard to know, which ones are worthy of pouring our time and money into. Luckily, there are many people out there who have tested the waters and from whom we can learn.

+Here's a look at booking through the Hilton website v. the AMEX website.

+Here's a look at UR points v. AMEX points from a middle-class family perspective.