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  1. Credit Cards
  2. Hilton Honors American Express Aspire Card
American Express

Hilton Honors American Express Aspire Card

The Hilton Honors American Express Aspire Card is built for dedicated Hilton loyalists who want top-tier luxury treatment and heavy hotel rewards. It functions best as a high-end specialty card for travelers who can easily maximize its recurring hotel credits and complimentary Diamond elite status.

Welcome Offer
Earn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card
Annual Fee
$550
Rec. Credit Score
Good
Good For
Hilton Loyalists & Luxury Travelers
How to ApplyEstimate your value

Terms Apply. For rates and fees of Hilton Honors American Express Aspire Card, please visit the American Express website.

Hilton Honors American Express Aspire Card

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Hilton Honors American Express Aspire Card worth it?

This card is great for...

Top-tier Hilton Diamond status

Annual resort and flight credits

Luxury hotel stays

Despite its $550 annual fee, the card offers exceptional value for anyone who stays with Hilton even a few times a year. The automatic top-tier Diamond status brings valuable perks like room upgrades, executive lounge access, and daily food and beverage credits. Combined with an uncapped annual free night reward and up to $400 in semi-annual resort credits, the statement credits alone can easily offset the fee before you factor in rewards earning. However, the card loses its edge if you prefer non-Hilton hotels or do not want to track quarterly flight credits and semi-annual resort credits. If you are not committed to the Hilton brand, the high fee and brand-locked perks will be difficult to justify.

MaxRewards

MaxRewards Verdict

An absolute powerhouse for Hilton regulars that easily pays for itself, though its high annual fee makes it a poor fit for casual travelers who dislike brand loyalty.

Welcome Offer

Earn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card

after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.

Est. Value

$600

Required Spend

$6,000

Time Frame

6 Months

Est. Value

$600

Required Spend

$6,000

Time Frame

6 Months

Earning

Rewards

Earning centers heavily on Hilton purchases, complemented by strong bonus categories on everyday travel and dining.

CategoryRate

Hilton Hotels And Resorts

5.6%

Flights, Flights (American Express Travel), Car Rentals, U.S. Restaurants

2.8%

All Other Eligible Purchases

1.2%

Rewards percent based on a valuation of 0.4¢ per Hilton Honors point

Annual Credits & Perks

Benefits

This card packs high-value travel credits and elite status perks that can far outweigh the annual fee when fully used.

BenefitAnnual value
$400
$250
$219
$200
$100

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

Get the app
Hilton Honors American Express Aspire CardVenue Collection
Autotracked
$0 of $250Every 12 months

Benefits

Insurance

Car Rental Loss and Damage Insurance

When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, You can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.


Trip Delay Insurance

If you purchase a round-trip entirely with your Eligible Card and a covered reason delays your trip more than 6 hours, we may be able to help. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.


Baggage Insurance Plan

Can provide coverage for lost, damaged or stolen Baggage when traveling on a Common Carrier Vehicle (e.g. plane, train, ship or bus) when the Entire Fare has been charged to your Eligible Card. Coverage limits apply. Please read important exclusions and restrictions.


Extended Warranty

When you use your Eligible Card to make a Covered Purchase, you can get up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions. Please read important exclusions and restrictions.


Purchase Protection

Sometimes your favorite new purchase gets stolen, accidentally damaged, or lost. But when you use your Eligible Card for Covered Purchases, your Membership can help protect them for up to 90 days from the Covered Purchase date. Please read important exclusions and restrictions. Up to $10,000 per Covered Purchase, up to $50,000 per calendar year.

Benefits

Status & Access

Global Dining Access by Resy

Add your Hilton Honors American Express Aspire Card to your Resy profile on the Resy app or website and unlock access to exclusive tables and events.


Complimentary National Car Rental Status

Enjoy complimentary National Car Rental Emerald Club Executive status. Enrollment in the complimentary Emerald Club program is required. Terms apply.


Complimentary Hilton Honors Diamond Status

Enjoy complimentary Hilton Honors Diamond status with your Hilton Honors Aspire Card.


Amex Special Ticket Access

Card Members can access Amex Presale Tickets and Amex Reserved Tickets to select can’t-miss events and moments across sports, music, and more. Plus, Card Members can enjoy additional perks when attending select events. While supplies last, not all seats may be offered.

Benefits

Other

Hilton Honors Annual Free Night Reward

Enjoy an Annual Free Night Reward from Hilton Honors every year upon Card renewal.


Hilton Honors Free Night Rewards

Earn a Free Night Reward from Hilton after you spend $30,000 in purchases on your Card in a calendar year. Plus, you can earn an additional Free Night Reward from Hilton after you spend $60,000 in purchases.

Eligibility

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$550

Purchase APR

19.49% - 28.49%

Variable

Cash Advance APR

28.74%

Variable

Foreign Transaction Fee

None

Balance Transfer

None

Cash Advance

$10

Late Payment

$40

For rates and fees of Hilton Honors American Express Aspire Card, please visit the American Express website.

Table of Contents

Hilton Honors American Express Aspire Card

Hilton Honors American Express Aspire Card

How to Apply

Terms Apply. For rates and fees of Hilton Honors American Express Aspire Card, please visit the American Express website.

For rates and fees of Hilton Honors American Express Aspire Card, please visit the American Express website.

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Recognition

Featured in

  • #2Best Hotel Credit CardsView list
  • #5Best Premium Credit CardsView list

Other cards from American Express

See all 33 cards
The Business Platinum Card® from American ExpressThe Business Platinum Card® from American Express

You may be eligible for as high as 300,000 Membership Rewards® Points

Worth $4,500

After spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.

  • 7.5%7.5%Flights (amextravel.com), Prepaid Hotels (amextravel.com)
  • 7.5%3%U.S. Construction Material & Hardware Suppliers, Electronic Goods Retailers, Software & Cloud System Providers, Shipping Providers, Purchases Of $5,000+
  • 7.5%1.5%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.

American Express® Business Gold CardAmerican Express® Business Gold Card

You may be eligible for as high as 200,000 Membership Rewards® Points

Worth $3,000

After spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 7.5%6%Top Two Eligible Categories
  • 7.5%4.5%Flights (AmexTravel.com or Amex Travel App), Prepaid Hotels (AmexTravel.com or Amex Travel App)
  • 7.5%1.5%Everywhere

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply.

American Express Platinum Card®American Express Platinum Card®

You may be eligible for as high as 175,000 Membership Rewards® Points

Worth $2,625

After spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 7.5%7.5%Flights (American Express Travel), Prepaid Hotels (American Express Travel)
  • 7.5%7.5%Flights (Directly From Airlines), Flights (American Express Travel)
  • 7.5%1.5%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.