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Hilton Honors Aspire Card from American Express review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
20.99% ‐ 29.99% (Variable)
Interest Rate: Purchases
20.99% ‐ 29.99% (Variable)
Balance Transfer
Balance Transfer
3 - 14 points
3 - 14 points
Signup Bonus
150000 points (after spending $6,000)
Signup Bonus
150000 points (after spending $6,000)

Informr score
The Hilton Honors Aspire Card from American Express currently has an Informr score of 8.7 out of 10. This score is based on our evaluation of 22 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 Hilton Honors Aspire Card from American Express* looks like a tasty treat for frequent Hilton travelers. The $550 annual fee is steep but can provide ongoing value through resort and airline credits. Hilton Diamond elite status, the annual free night award and CLEAR® Plus membership add icing to...

- Dia Adams, Harlan Vaughn, Forbes
One Mile at a Time
One Mile at a Time

The Hilton Aspire Card is one of the most rewarding hotel credit cards out there. While the card has a $550 annual fee, it offers some valuable incredible perks, including top tier Hilton Honors Diamond status, a free night reward annually, up to $400 in Hilton resort credits, up to $200 in flight c...

- Ben Schlappig, One Mile at a Time

The Hilton Honors Aspire Card is best for frequent travelers, especially those who often stay in Hilton hotels. Although it comes with a $450 annual fee, savvy travelers can more than offset that cost through the benefits.

- Dan Miller, MyBankTracker
The Points Guy
The Points Guy

The Hilton Honors American Express Aspire Card provides incredible value to even a semi-frequent Hilton customer. This is a great premium product 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 doll...

- Ethan Steinberg, The Points Guy

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

- Robin Ratcliff,


Interest Rates
Regular APR Interest Rate 20.99% ‐ 29.99% (Variable)

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

Balance Transfer Interest Rate

Not available

Cash Advance Interest Rate 29.99% (Variable)

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

Rates & Fees
Annual Fee $550.00
Balance Transfer Fee
Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus 150000 points after spending $6,000

On purchases within the first 6 months.

All Purchases 3 points per $1 spent
Restaurants 7 points per $1 spent

At U.S. restaurants, including takeout and delivery

Gas No
Groceries No
Hotels 14 points per $1 spent

For eligible purchases at hotels and resorts in the Hilton portfolio

Travel 7 points per $1 spent

Including flights booked directly with airlines or and car rentals booked directly with select car rental companies

Pharmacy No
Bills No
Additional Details

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

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service Yes
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Google Pay
Virtual Cards Yes
Additional Benefits
  • Complimentary Diamond Status
  • National Car Rental® Emerald Club Executive® Status
  • $400 Hilton Resort Credit
  • $200 Flight Credit
  • $189 CLEAR® Plus Credit
  • $100 Hilton On-Property Credit
  • Premium Global Assist® Hotline
  • Baggage Insurance Plan
  • Trip Delay Insurance
  • Trip Cancellation and Interruption Insurance
  • Return Protection
  • Global Dining Access by Resy
  • Cell Phone Protection
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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