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Hilton Honors American Express Aspire Card

Welcome Offer

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

Bonus Value

$750

Credit Score Needed

Good, Excellent

Annual Fee

$550 See Rates and Fees; terms apply

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Hilton Honors American Express Aspire Card

Disclosure: The Cards Guy partners with credit card issuers to provide information on their products. We may earn commissions from these issuers. The content on this page is independent and has not been provided, reviewed, approved, or endorsed by the companies mentioned. The opinions expressed are solely those of the author. American Express is a The Cards Guy advertiser.

Card Rewards

• Earn 14X Hilton Honors Bonus Points per $1 of eligible purchases on your Card made directly with hotels and resorts within the Hilton portfolio. • 7X Hilton Honors Bonus Points for eligible purchases: on flights booked directly with airlines or amextravel.com; on car rentals booked directly from select car rental companies; & at U.S. restaurants. • 3X Hilton Honors Bonus Points for other purchases on your Card.

Information Icon Card Overview

The Hilton Honors American Express Aspire Card is a significant asset, especially for frequent travelers. It's important to take advantage of all the benefits available to this card when traveling, as it offers many. Notably, you get upgraded status at Hilton along with thousands of points per dollar, ranging from 14x points per dollar for Hilton purchases to 3x points per dollar on all other eligible purchases. Additionally, you can get up to $200 in statement credits semi-annually for eligible purchases made directly with participating Hilton Resorts on your Hilton Honors Aspire Card, totaling up to $400 back annually with no minimum purchase required. You can also receive 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 or through amextravel.com using your Hilton Honors Aspire Card. Plus, receive up to a $100 credit for qualifying charges at participating Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts properties when you book a 2-night minimum stay with your Card at hiltonhonorsaspirecard.com.

Card Fees

Annual Fee

$550 See Rates and Fees; terms apply

Interest Rates (APR)

20.99% - 29.99% Variable

Late Fees

Up to $40

Cash Advance APR

29.99% Variable
Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.

Foreign Transaction Fee

None

Balance Transfer Fee

N/A

Penalty APR

29.99%

Cash Advance Fee

Either $10 or 5% of the amount of each cash advance, whichever is greater.

Card Benefits

Credits

• Get up to $200 in statement credits semi-annually for eligible purchases made directly with participating Hilton Resorts on your Hilton Honors Aspire Card. That's up to $400 back annually. No minimum purchase required. • 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 or though amextravel.com using your Hilton Honors Aspire Card. • Receive up to $189 in statement credits annually for CLEAR Plus Membership, which uses biometric verification for quicker airport security. Enroll and pay with your Hilton Honors American Express Aspire Card to cover costs, excluding taxes, with auto-renewal. • Receive up to a $100 credit annualy for qualifying charges at participating Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts properties when you book a 2 night minimum stay with your Card at hiltonhonorsaspirecard.com

Return Protection

• Refund up to $300 per item (excluding shipping) if return is declined by the merchant. • Maximum refund: $1,000 per Card Member account per year. • Extended return period: Up to 90 days from purchase date, even after store return policy expires.

Purchase Protection

• Covers your new purchases for 90 days against damage or theft up to $10,000 per claim and $50,000 per account

Auto Rental Collision Insurance

• Secondary worldwide coverage on rentals up to 30 days (excluding Australia, Italy, and New Zealand), with a maximum coverage of $75,000. • Alternatively, you have the option to purchase an Amex premium plan for primary coverage up to 42 days, with a maximum coverage of $100,000.

Trip Cancellation Insurance

• Coverage for canceled or interrupted travel due to unforeseen medical emergencies and more. • Max $10,000 per person per trip, with a maximum of $20,000 per year. • Covers non-refundable travel expenses such as flight tickets and hotels.

Lost Luggage Reimbursement

• Coverage for lost, stolen or damaged luggage on a comon carrier (e.g. plane, train, ship, or bus). • Up to $2,000 per person for checked baggage. • Up to $3,000 per person for carry-on baggage. • Maximum coverage of $10,000 per trip for NY residents.

Extended Warranty Protection

• Receive up to one additional year of coverage beyond the original manufacturer's warranty period for warranties of 5 years or less. • Up to $10,000 per Covered Purchase and up to $50,000 per Eligible Card.

Upgraded Status

• As a Hilton Honors(TM) Diamond member, enjoy additional perks such as a 100% bonus on base points for every stay, premium Wi-Fi, space-available room upgrades at select properties, executive lounge access, and more. • Get free National Car Rental® Emerald Club Executive® status with benefits like Executive Area Access in the USA and Canada. Card Members need to enroll through their American Express online account. Terms apply.

Trip Delay Insurance

• Claim up to $500 per ticket in the event of a 6+ hour flight delay, maximum 2 claims per year. • The compensation can be used to cover expenses like meals and lodging during the delay.

Cell Phone Protection

• Up to $800 per claim (with a $50 deductible), you can be reimbursed for cellphone damage or theft. • To activate coverage, simply pay your monthly cellphone bill with your credit card. • Enjoy the benefit of up to 2 claims per 12 month period.

Annual benefits

• Earn an additional Free Night Reward from Hilton after making $30,000 in purchases and another after making $60,000 in purchases on your Card in a calendar year.

Benefit Guide

For benefit guide to the Hilton Honors American Express Aspire Card, click here
For rates and fees of the Hilton Honors American Express Aspire Card, click here

Full Advertiser Disclosure

The Cards Guy partners with a variety of credit card issuers, and we may receive compensation when you are approved for a card through our links. This compensation may influence the placement of card offers on our site, but it does not affect the articles and information we provide, which remain independent. Please note that not all credit card offers available on the market are featured on our site. We maintain advertising relationships with major credit card companies such as American Express, Bank of America, Barclays, Capital One, Chase, Citibank, Discover, HSBC, and Wells Fargo, among others. While we strive to include a comprehensive selection, our listings may not represent every offer available from these or other issuers. The opinions expressed in our content are those of the author and are not provided, commissioned, or endorsed by any credit card issuer. Responses to content may also not be reviewed, approved, or otherwise endorsed by the issuer. We aim to provide accurate and up-to-date information, but we recommend you verify all details directly with the credit card issuer and consult with a financial professional before making any decisions. Thank you for choosing The Cards Guy for your credit card research and decisions.


Return protection: • Refund up to $300 per item (excluding shipping) if return is declined by the merchant. • Maximum refund: $1,000 per Card Member account per year. • Extended return period: Up to 90 days from purchase date, even after store return policy expires. • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit http://americanexpress.com/benefitsguide for more details.
Purchase protection: • Covers your new purchases for 90 days against damage or theft up to $10,000 per claim and $50,000 per account • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit http://americanexpress.com/benefitsguide for more details. • Underwritten by AMEX Assurance Company.
Auto Rental Collision Insurance: • Secondary worldwide coverage on rentals up to 30 days (excluding Australia, Italy, and New Zealand), with a maximum coverage of $75,000. • Alternatively, you have the option to purchase an Amex premium plan for primary coverage up to 42 days, with a maximum coverage of $100,000. • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
Trip Cancellation Insurance: • Coverage for canceled or interrupted travel due to unforeseen medical emergencies and more. • Max $10,000 per person per trip, with a maximum of $20,000 per year. • Covers non-refundable travel expenses such as flight tickets and hotels.
Lost Luggage Reimbursement: • Coverage for lost, stolen or damaged luggage on a comon carrier (e.g. plane, train, ship, or bus). • Up to $2,000 per person for checked baggage. • Up to $3,000 per person for carry-on baggage. • Maximum coverage of $10,000 per trip for NY residents. • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Underwritten by AMEX Assurance Company.
Extended warranty protection: • Receive up to one additional year of coverage beyond the original manufacturer's warranty period for warranties of 5 years or less. • Up to $10,000 per Covered Purchase and up to $50,000 per Eligible Card. • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Underwritten by AMEX Assurance Company.
Trip Delay Insurance: • Claim up to $500 per ticket in the event of a 6+ hour flight delay, maximum 2 claims per year. • The compensation can be used to cover expenses like meals and lodging during the delay. • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Underwritten by New Hampshire Insurance Company, an AIG Company.
Cell Phone Protection: • Up to $800 per claim (with a $50 deductible), you can be reimbursed for cellphone damage or theft. • To activate coverage, simply pay your monthly cellphone bill with your credit card. • Enjoy the benefit of up to 2 claims per 12 month period. • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Underwritten by New Hampshire Insurance Company, an AIG Company.