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Hilton Honors Aspire Card from American Express review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
20.49% ‐ 29.49% (Variable)
Interest Rate: Purchases
20.49% ‐ 29.49% (Variable)
Balance Transfer
Balance Transfer
3 - 14 points
3 - 14 points
Signup Bonus
150000 points (after spending $4,000)
Signup Bonus
150000 points (after spending $4,000)

Informr score
The Hilton Honors Aspire Card from American Express currently has an Informr score of 8.9 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 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
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 $450 annual fee, it offers some truly incredible perks, including top tier Hilton Honors Diamond status, a free night reward annually, and up to $500 in credits annually ($250 for airline fees, and...

- Ben Schlappig, One Mile at a Time

The Hilton Honors American Express Aspire Card is for frequent travelers who want luxury level benefits. If you’re already a fan of Hilton hotels and resorts or planning to make them your “go-to” hotel chain, having the Aspire card makes sense. If you are a member of the Hilton Honors loyalty progra...

- Kevin Payne, FinanceBuzz

The Hilton Honors American Express Aspire Card is an excellent hotel credit card for someone who visits Hilton hotels regularly, or is simply looking to earn more Hilton Honors points. Between the airport lounge access, complimentary Hilton Honors Diamond status, airline fee credits, hotel credits a...

- Brett Holzhauer, CNBC

The Hilton Honors Aspire Card from American Express* offers solid value for frequent Hilton travelers. The $450 annual fee can provide ongoing value through resort and airline credits, provided you use them. Hilton Diamond status, the annual free weekend night and Priority Pass membership add icing...

- Dia Adams, Forbes


Interest Rates
Regular APR Interest Rate 20.49% ‐ 29.49% (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 $450.00
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 $4,000

On purchases within the first 3 months.

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 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 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 Yes
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
  • $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
  • Premium Global Assist Hotline
  • Complimentary Shoprunner membership
  • Trip Cancellation and Interruption Insurance
  • Trip Delay Insurance
  • Return 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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