Waldorf Astoria Monarch Beach on Points + Hilton Credits!

We just pulled off a travel move that still makes us laugh: a luxury stay at Waldorf Astoria Monarch Beach that was booked on Hilton points, covered by stacked Hilton resort credits, and somehow ended with us up $38 thanks to a perfectly timed Amex offer. If you’ve ever wondered whether points and miles are actually worth the effort, we walk through the real math, the real cards, and the real checkout moment where Raya hands over a stack of credit cards and asks the front desk to split the bill across all of them. Along the way, we rewind to our annual Oceanside getaway, the trip we protect on our calendar because it has almost no itinerary. Beach, pool, good food, and a reset. This year includes a surprise birthday dinner for Dwayne with friends he hasn’t seen in more than 20 years, plus little details that made it feel special, like a custom menu and a table that just kept growing as more people arrived. We also get practical about family travel logistics: when a “standard room” starts feeling too small for five people, how we think about suites, and why an ocean view matters when one of us is working during the trip. We share our experience at The Seabird, how we handled a disappointing initial room assignment, and the polite ask that got us into a true oceanfront suite. Expect plenty of California details too, from the Monarch Beach club shuttle to June gloom weather timing, plus our favorite eats and one meal that went off the rails. If you want more strategies like this for affordable luxury travel, subscribe, share this with a points-obsessed friend, and leave us a quick review so more families can find the show. What’s the next hotel you’d love to book entirely on points?