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Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

Hilton Honors American Express Aspire Card card art
Hilton Aspire 1 of 1
Comparing 1 card
Hilton Honors American Express Aspire Card card art
American Express
Hilton Aspire
Apply Details
Cost and value $550 fee
Annual fee
$550
Credits you can use a year, if you use every one
$819
Fee after credits
$269 back credits beat the fee
Point value per point or mile
0.40¢ Estimate
Rewards currency
Hilton Honors Points
Foreign transaction fee
None
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus 200,000 points, about $800
Bonus
200,000 points
Estimated value
$800
Spend to earn it less a month is easier
$6,000 in 180 days about $1,000 a month
Offer ends
Jan 13, 2027
Earning rates Top rate 14x
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Dining
7x about 2.8% back
Flights
7x about 2.8% back
Everything else
3x about 1.2% back
Only on this card
  • 14x Hotels
Statement credits $819 a year
Travel booking
  • $200 a year $50 every 3 months
    What counts

    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.

  • $100 per stay
    What counts

    Up to a $100 credit for qualifying charges at Waldorf Astoria and Conrad Hotels & Resorts properties when booking a 2 night minimum stay with the Card and selecting the Aspire Card Benefit rate option.

Other credits
  • $400 a year $200 every 6 months
    What counts

    Up to $200 in statement credits semi-annually, for up to $400 back per year, on eligible purchases made directly with participating Hilton Resorts.

  • $219 a year resets every year
    What counts

    Up to $219 in statement credits per calendar year toward the cost of a CLEAR+ Membership after paying with the Card.

Monthly credits to track fewer is less work
0
Certificates and passes 1 free night + 2 with spend, about $380 a year
Values are our estimate of what each certificate typically saves. Certificates expire, so their value depends on using them in time.
Free nights
  • Annual Free Night Reward each card year, about $380 a year
  • Free Night Reward after $30,000 spend
  • Free Night Reward after $60,000 spend
Yearly value certificates that arrive each card year
about $380
Transfer partners No transfers
Partners
None
Alliance reach
None
Status, lounges and travel Hilton Honors Diamond, National Emerald Club Executive
Elite status
  • Hilton Honors: Diamond
  • National Emerald Club: Executive after you enroll
Travel benefits
  • 24/7 medical, legal, financial, and emergency coordination assistance while traveling more than 100 miles from home.
Protection and insurance 8 coverages
Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.
Trip delay
  • Reimbursement for certain additional expenses when a round-trip paid entirely with the Card is delayed more than 6 hours for a covered reason, up to $500 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period.
Baggage
  • Coverage for lost, damaged, or stolen baggage when purchasing the entire fare for a Common Carrier ticket with an Eligible Card, up to a combined maximum of $3,000 per covered trip.
Rental car
  • Coverage for damage to or theft of a rental vehicle when using the Eligible Card to reserve and pay for the entire rental and declining the collision damage waiver. Secondary coverage; excludes Australia, Italy, and New Zealand.
Cell phone
  • Reimbursement for repair or replacement costs following cell phone damage or theft, up to $800 per claim, limit 2 claims per 12-month period, $50 deductible applies, when wireless bill is paid with the Card.
Extended warranty
  • Extends the original manufacturer's warranty by up to one additional year on eligible purchases with warranties of 5 years or less, up to $10,000 per item and $50,000 per calendar year.
Purchase protection
  • Covers eligible purchases against theft, accidental damage, or loss for up to 90 days from purchase date, up to $10,000 per purchase and $50,000 per calendar year.
Return protection
  • Allows returning eligible purchases to American Express if the seller won't take them back, up to 90 days from purchase. Refund up to $300 per item, up to a maximum of $1,000 per calendar year per Card account.
Other coverage
  • Reimbursement for non-refundable expenses up to $10,000 per trip and up to $20,000 per Eligible Card per 12 consecutive months when a covered reason cancels or interrupts a round trip paid entirely with the Card.
  • Send money and split purchases with Venmo and PayPal users through the American Express App without standard credit card fees; split purchases refunded as statement credit.
Lifestyle and other perks 2 perks
Lifestyle and entertainment
  • Access to purchase Amex Presale Tickets and Amex Reserved Tickets to select events across sports, music, and more.
  • Enhanced experience at select stadiums and arenas with dedicated entrances/fast lanes, plus 10% back on qualifying concessions purchases up to $250 per calendar year when enrolled.
Authorized users Free
Cost
Authorized users are free.
Each one gets
  • Baggage insurance plan
  • Car rental loss and damage insurance
  • Cell phone protection
  • Extended warranty
  • Purchase protection
  • Trip cancellation interruption insurance
  • Trip delay insurance
Application rules 2/90
Issuer approval rules
  • 2/90 Community-reported
    What counts

    American Express generally approves at most 2 of its credit cards per 90 days.

  • 5 credit card limit Community-reported
    What counts

    American Express generally limits you to 5 of its credit cards at once.

  • 10 charge card limit Community-reported
    What counts

    American Express generally limits you to 10 of its charge cards at once.

Bonus eligibility
  • Once per lifetime Issuer-stated
    What counts

    American Express welcome offers are generally once per lifetime for each card, unless your specific offer omits the lifetime language.

Card type
Personal