Hilton Honors Aspire Card from American Express review

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Advertiser Disclosure

Interest Rate: Purchases
17.24% ‐ 26.24% (Variable)
Balance Transfer
17.24% ‐ 26.24% (Variable)
Rewards
3 - 14 points
Signup Bonus
150000 points (after spending $4,000)


9/10
Informr score
The Hilton Honors Aspire Card from American Express currently has an Informr score of 9 out of 10. This score is based on our evaluation of 12 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Hilton Honors Aspire Card from American Express is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The Points Guy

The  Hilton Honors American Express Aspire Card almost looks like far too much value to be sustainable. Perhaps Amex is counting on the resort credit, airline-fee credit and property credits to largely go unused. This is really a great premium product to carry if you don’t have another similarly pos...

- Richard Kerr, The Points Guy
Credit Cards Explained

The Hilton Honors Aspire Card from American Express has an impressive set of rewards and benefits. Frequent travelers who spend a good amount of money can get more out of the card than what they pay towards fees. But, if the card’s annual fee and other spending requirements leave you feeling uncerta...

- Ben Luthi, Credit Cards Explained
CreditCards.com

The Hilton Honors Aspire card — though laden with great hotel perks — is probably too pricey for the average rewards cardholder.

- Robin Ratcliff, CreditCards.com
The Wirecutter

This card is great for constant travelers who are comfortable playing the rewards game to maximize their joy. You have to pony up quite a lot once you get the card, but it’s jam-packed with perks most hotel dwellers are sure to appreciate.

- Sally French, The Wirecutter
Business Insider

Paying $900 in annual fees to receive $3,700 in travel the first year was an absolute no-brainer for us. And really, that's a very conservative estimate anyway. We'll receive Hilton Diamond benefits several times this year and next for stays in Arizona, Dubrovnik, and Washington DC for a conference...

- Holly Johnson, Business Insider

Details


Interest Rates
Regular APR Interest Rate 17.24% ‐ 26.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 17.24% ‐ 26.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 26.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $450.00
Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus 150000 points after spending $4,000

On purchases within the first 3 months.

Rewards
All Purchases 3 points per $1 spent
Restaurants 7 points per $1 spent
Gas No
Groceries No
Hotels 14 points per $1 spent

On eligible purchases at participating hotel or resort within the Hilton Portfolio.

Travel 7 points per $1 spent

On flights booked directly with airlines or amextravel.com and car rentals booked directly from select car rental companies.

Pharmacy No
Bills No
Additional Details

Enjoy one weekend night reward plus an additional night after you spend $60,000 on purchases on your Card in a calendar year.

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service Yes
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Android Pay
Additional Benefits

- Complimentary Diamond Status

- $250 Hilton Resort statement credit

- Up to $250 per calendar year in credits for incidental fees charged by the airline

- Get up to $100 in credits for qualifying charges at participating hotels.

- Complimentary Priority Pass Select membership

- Baggage Insurance Plan

- Return Protection

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


The Points Guy

The only card you need for your next Hilton stay

from The Points Guy

The  Hilton Honors American Express Aspire Card almost looks like far too much value to be sustainable. Perhaps Amex is counting on the resort credit, airline-fee credit and property credits to largely go unused. This is really a great premium product to carry if you don’t have another similar...More

The  Hilton Honors American Express Aspire Card almost looks like far too much value to be sustainable. Perhaps Amex is counting on the resort credit, airline-fee credit and property credits to largely go unused. This is really a great premium product to carry if you don’t have another similarly positioned card. If you routinely stay at Hilton properties, the offer of Diamond status and 34 Hilton points per dollar without any promos is incredible. Plus, you get complimentary breakfast from Diamond status and a $100 property credit for every two-night stay at Waldorf Astoria and Conrad properties.

Read full review

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Credit Cards Explained

Offering big rewards on travel and everyday purchases

from Credit Cards Explained

The Hilton Honors Aspire Card from American Express has an impressive set of rewards and benefits. Frequent travelers who spend a good amount of money can get more out of the card than what they pay towards fees. But, if the card’s annual fee and other spending requirements leave you feeling un...More

The Hilton Honors Aspire Card from American Express has an impressive set of rewards and benefits. Frequent travelers who spend a good amount of money can get more out of the card than what they pay towards fees. But, if the card’s annual fee and other spending requirements leave you feeling uncertain, you might be better off with a lower-tier travel credit card.

Read full review

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CreditCards.com

Jam-packed with luxury benefits and perks

from CreditCards.com

The Hilton Honors Aspire card — though laden with great hotel perks — is probably too pricey for the average rewards cardholder.

Read full review

The Hilton Honors Aspire card — though laden with great hotel perks — is probably too pricey for the average rewards cardholder.

Read full review

Less

The Wirecutter

Best overall Hilton card

from The Wirecutter

This card is great for constant travelers who are comfortable playing the rewards game to maximize their joy. You have to pony up quite a lot once you get the card, but it’s jam-packed with perks most hotel dwellers are sure to appreciate.

Read full review

This card is great for constant travelers who are comfortable playing the rewards game to maximize their joy. You have to pony up quite a lot once you get the card, but it’s jam-packed with perks most hotel dwellers are sure to appreciate.

Read full review

Less

Business Insider

Huge welcome bonus, multiple annual travel credits, automatic Hilton Diamond status

from Business Insider

Paying $900 in annual fees to receive $3,700 in travel the first year was an absolute no-brainer for us. And really, that's a very conservative estimate anyway. We'll receive Hilton Diamond benefits several times this year and next for stays in Arizona, Dubrovnik, and Washington DC for a conferen...More

Paying $900 in annual fees to receive $3,700 in travel the first year was an absolute no-brainer for us. And really, that's a very conservative estimate anyway. We'll receive Hilton Diamond benefits several times this year and next for stays in Arizona, Dubrovnik, and Washington DC for a conference we plan to attend. We also have another chunk of points to redeem, which will add even more value to the pile. A lot of people would also assign some value to the Priority Pass Select membership we each received with our cards, but I don't count that since we already have the same perk with our Chase Sapphire Reserve cards.

Read full review

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Travel Update

Incredible earning opportunities and perks

from Travel Update

The Hilton Aspire Card is a great premium card for Hilton loyalists. It can also be a great upgrading option for Hilton Ascend and Hilton Honors card-members who want more from their card. Diamond Status and the free nights are the highlights of this premium card. The Aspire Card is a great earn...More

The Hilton Aspire Card is a great premium card for Hilton loyalists. It can also be a great upgrading option for Hilton Ascend and Hilton Honors card-members who want more from their card. Diamond Status and the free nights are the highlights of this premium card. The Aspire Card is a great earner within the bonus categories. It can possibly be a long-term keeper card if you earn enough points and take advantage of its benefits.

Read full review

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AwardWallet

Ultra-premium rewards card

from AwardWallet

The Hilton Aspire is an excellent release for American Express and a top card for Hilton fans featuring an impressive list of benefits which we're sure will be a hit with points and miles fans. For regular Hilton guests that won’t clock up the stays/nights required for top-tier status, the card...More

The Hilton Aspire is an excellent release for American Express and a top card for Hilton fans featuring an impressive list of benefits which we're sure will be a hit with points and miles fans. For regular Hilton guests that won’t clock up the stays/nights required for top-tier status, the card essentially lets you buy Diamond Elite status for $450. And that's before taking any other benefits into account.

Read full review

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Finder

A strong choice if you’re a frequent traveler and Hilton guest

A $450 annual fee is quite a chunk of change, but you may find it’s a fair price for this premium card. If you’re a frequent traveler and a Hilton regular, you’ll like the rewards you’ll earn. And if you can use the card’s airline and hotel credits, the card will effectively pay for itself.

Read full review

A $450 annual fee is quite a chunk of change, but you may find it’s a fair price for this premium card. If you’re a frequent traveler and a Hilton regular, you’ll like the rewards you’ll earn. And if you can use the card’s airline and hotel credits, the card will effectively pay for itself.

Read full review

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The Simple Dollar

Epic hotel credit card with real travel rewards

from The Simple Dollar

If you’re playing with the idea of getting a new travel credit card, don’t discount the new Hilton Aspire Card from American Express. Not only does it offer a large signup bonus, but it offers many of the benefits you can find with other top travel credit cards.

Read full review

If you’re playing with the idea of getting a new travel credit card, don’t discount the new Hilton Aspire Card from American Express. Not only does it offer a large signup bonus, but it offers many of the benefits you can find with other top travel credit cards.

Read full review

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HighYa

Offers a 100,000-point sign-up bonus and industry-leading yearly reward totals

from HighYa

We believe this card is a good fit for those who are loyal to the Hilton brand and want a card that can produce excellent rewards throughout the year. The card is an even better fit if you make a habit of staying at Hilton Resort properties when you vacation because you can take full advantage of the $250 credit.

Read full review

We believe this card is a good fit for those who are loyal to the Hilton brand and want a card that can produce excellent rewards throughout the year. The card is an even better fit if you make a habit of staying at Hilton Resort properties when you vacation because you can take full advantage of the $250 credit.

Read full review

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User Reviews


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