Don't let strict terms and conditions fool you — the statement credits on the Hilton Honors American Express cards might be more flexible than you think.

Amex currently issues four Hilton credit cards (three consumer products and one business product), three of which have statement credits to help offset their annual fees. Terms apply.

On the surface, the credits seem somewhat restrictive, but as you'll read below, there may be creative ways you can make the most of them.

A great solo travel tip spotted this week on The Points Guy Articles.

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