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American Express

Hilton Honors Aspire

Annual fee
$550
Network
amex
Type
personal

Earn 14X Hilton Honors Bonus Points on eligible Hilton purchases, 7X points on U.S. restaurants, flights booked directly with airlines or Amex Travel, and select car rentals, and 3X points on all other eligible purchases.

American Express Hilton Honors Aspire

Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.

Perqt Analysis

Three ways to value this card. Only one of them is yours.

01Published
$1,519

What the issuer advertises.

02Realistic
$1,319

Pays out with no hoops.

03Yours
Open your wallet

From your real spend and redemptions.

$200 of the advertised value — 13% — comes with strings attached.

Why Perqt says this
  • $1,519 advertised across 5 benefits.
  • $200 (13%) needs a booking, enrollment, or deadline.
  • Biggest credit — $200 Flight Credit, $200 — comes with conditions.
  • Hilton Resort Credit ($400) posts automatically. No hoops.
  • No-hoops value covers 240% of the annual fee.
Better fit if
  • You'll actually use $200 Flight Credit.
  • You'll actually use Hilton Resort Credit.
  • 14× on hotels matches your spend.
Probably not if
  • You won't use $200 Flight Credit.
  • You'd forget monthly credits.

Welcome offer

Earn 150,000 Hilton Honors Bonus Points after you spend $6,000 in eligible purchases on the Card within your first 6 months of Card Membership.

Est. value
$750
Minimum spend
$6,000
Within
6 mo

Earning rates

  • All other purchases
    3×
    pts
    Hilton Honors
  • Top earn
    Hotels
    for eligible purchases charged directly with a property within the Hilton portfolio
    14×
    pts
    Hilton Honors
  • Flights
    on flights booked directly with airlines or on amextravel.com
    7×
    pts
    Hilton Honors
  • Car rentals
    on car rentals booked directly from select car rental companies
    7×
    pts
    Hilton Honors
  • Dining
    at U.S. restaurants
    7×
    pts
    Hilton Honors

On-card benefits & credits

  • Annual Free Night Reward
    $350
    /Annual

    Enjoy an Annual Free Night Reward from Hilton Honors in your first year of Card Membership and every year upon Card renewal.

  • Free Night Reward at $30k (Spend Tier)
    $350
    /Annual

    Earn a Free Night Reward after you spend $30,000 in purchases on your Card in a calendar year. Unlocks after $30000 calendar-year spend on the card.

  • $219 CLEAR+ Credit
    $219
    /Annual

    You can cover the cost of a CLEAR+ Membership with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Card.

  • Hilton Resort Credit
    $200
    /Annual

    Receive up to $200 in statement credits semi-annually, up to $400 annually, for eligible purchases made directly with participating Hilton Resorts.

  • $200 Flight Credit
    $50
    /Quarterly

    Get up to $50 in statement credits each quarter, for a total of up to $200 back each year, on flight purchases made directly with an airline, through AmexTravel.com, or through the Amex Travel App.

  • National Emerald Club Executive Status
    $0
    /Annual

    Complimentary National Car Rental Emerald Club Executive status includes Executive Area access on qualifying full-size-or-larger reservations in the U.S. and Canada.

  • Global Dining Access by Resy
    $0
    /Annual

    Special access to sought-after U.S. Resy restaurants when you add your Card to your Resy profile.

  • Purchase Protection
    $0
    /One-time

    Can help protect purchases for up to 90 days from the Covered Purchase date against theft, accidental damage, or loss. Up to $10,000 per purchase.

  • No Foreign Transaction Fees
    $0
    /Annual

    Enjoy international travel without additional fees on purchases made abroad.

  • American Express Venue Collection
    $0
    /Annual

    Enroll your Card and get 10% back on qualifying concessions purchases up to $250 per calendar year at select stadiums and arenas.

  • Extended Warranty
    $0
    /One-time

    Matches the Original Manufacturer's Warranty for up to one additional year on warranties of 5 years or less.

  • Return Protection
    $0
    /One-time

    If the seller won't take eligible purchases back up to 90 days from the date of purchase, Amex may refund the full purchase price up to $300 per item.

  • Cell Phone Protection
    $0
    /One-time

    Reimburses repair or replacement costs for damage or theft up to $800 per claim, subject to a $50 deductible, when your prior month's wireless bill was paid by an Eligible Card.

  • Trip Delay Insurance
    $0
    /One-time

    If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 6 hours, can help reimburse certain additional expenses up to $500 per trip, maximum 2 claims per 12 consecutive month period.

  • Baggage Insurance Plan
    $0
    /One-time

    Coverage can be provided for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket on an Eligible Card.

  • Car Rental Loss and Damage Insurance
    $0
    /One-time

    Can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when you pay for the Entire Rental and decline the CDW. Secondary coverage.

  • $100 Property Credit
    $0
    /One-time

    Receive up to a $100 credit for qualifying charges at Waldorf Astoria and Conrad properties when you book a 2 night minimum stay with your Card and select the Aspire Card Benefit rate option.

  • National Car Rental Emerald Club Executive Status
    $0
    /Annual

    Enjoy complimentary National Car Rental Emerald Club Executive status.

  • Trip Cancellation & Interruption Insurance
    $0
    /One-time

    Can help reimburse your non-refundable expenses if a covered reason cancels or interrupts your trip, up to $10,000 per trip.

  • Complimentary Hilton Honors Diamond Status
    $0
    /Annual

    Enjoy complimentary Diamond status with your Card. Diamond status gives you a 100% Bonus on Base Points you earn on every stay, Premium Wi-Fi and space-available room upgrades at select properties, executive lounge access at select properties, and more.

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