Hilton Honors American Express Aspire Credit Card Review

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Hilton Honors American Express Aspire Card
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Hilton Honors American Express Aspire Card
Editor’s Score: (4.35/5)
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Hilton Honors American Express Aspire Card
Editor’s Score: (4.35/5)
  • Intro offer:
    150,000
  • Annual fee:
    $450
  • Regular APR:
    17.99% to 26.99% Variable
  • Recommended credit score:
    670-850 (Good to Excellent)
Rewards rate:

Earn 14X Hilton Honors Bonus Points when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio. Earn 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. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.

NextAdvisor’s Take

Pros
  • Annual airline and hotel credits
  • Complimentary top elite status with Hilton Hotels
  • Very high welcome offer
  • No foreign transaction fees
Cons
  • High annual fee
  • Rewards are geared toward Hilton travelers only
The Bottom Line
The Hilton Honors American Express Aspire card is a premium travel card that’s especially appealing for people who frequently stay at Hilton hotels. Despite the high $450 annual fee, cardholders get travel-related perks such as Hilton Diamond elite status, up to $250 in airline fee credits and $250 in Hilton resort credits.

Additional Card Details

  • Complimentary Hilton Diamond elite status, including room upgrades, bonus points on stays, and more
  • $250 airline fee credits
  • $250 Hilton resort credits for incidentals
  • Up to two weekend rewards nights per cardmember year
  • Priority Pass Select membership
  • $100 in on-property credits at participating Waldorf Astoria and Conrad properties on two-night minimum stays
  • Complimentary access to American Express’ concierge service
  • Baggage insurance
  • Return protection

Hilton Honors American Express Aspire Credit Card Full Review

Card Type

The Hilton Amex Aspire card* is a premium co-branded travel rewards credit card, geared towards frequent Hilton hotel visitors. 

Annual Fee

The Hilton Amex Aspire card comes with a $450 annual fee.

Welcome Offer

This card offers 150,000 Hilton Honors bonus points after spending $4,000 in the first three months since account opening.

Rewards

With this card, you’ll earn 14x points on purchases at Hilton hotels and resorts, 7x points on select travel and U.S. restaurants, and 3x points on all other purchases.

Fees 

The Hilton Amex Aspire card charges a $450 annual fee and a variable APR of 17.99% to 26.99%. There are no foreign transaction fees, but if you pay late or your payment is returned you may take on a fee up to $40 and penalty APR up to 29.99%.

How to Use the Hilton Honors American Express Aspire Card

Maximize your Hilton Honors American Express Aspire card, by using it for any future Hilton bookings. You won’t get much value out of this card if you’re using it for anything other than travel, particularly at Hilton hotels.

The card currently features a welcome offer of 150,000 Hilton Honors points after you spend $4,000 in the first three months of membership. Plan your application so you can score this welcome bonus (and pay off your purchases) within three month from the time you open your account. A 150,000-point welcome offer is valuable, but can quickly lose value if you take on high-interest debt with this card. 

And don’t forget to maximize the numerous added benefits of this card. Use your $250 airline fee credit on airline incidentals, such as checked baggage, on your preferred airline, the $250 resort credit on incidentals at Hilton resorts, and $100 property credit on two-night minimum stays at select Waldorf Astoria and Conrad properties. You can also take advantage of one free weekend night at virtually any Hilton property each cardmember year, plus a second one when you spend $60,000 or more on this card in a calendar year. These perks can significantly decrease the price of future travel.

You should  charge any purchases incurred on future bookings or stays at Hilton hotels to earn 14x Hilton Honors points per dollar. You’ll also get 7x Hilton Honors points per dollar on select travel and in-restaurant dining, takeout and delivery purchases. It’s definitely worthwhile to use this card for those charges, as long as you don’t have another card with a better rewards rate on dining or travel.

Hilton Honors American Express Aspire Card Compared to Other Cards

Our Choice
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Hilton Honors American Express Aspire Card

Hilton Honors American Express Aspire Card

Editor’s Score: (4.35/5)
  • Intro offer:
    150,000
  • Annual fee:
    $450
  • Regular APR:
    17.99% to 26.99% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon At our partner’s secure site
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Hilton Honors American Express Card

Hilton Honors American Express Card

Editor’s Score: (4.025/5)
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Chase Sapphire Reserve®

Chase Sapphire Reserve®

Editor’s Score: (4.3/5)
  • Intro offer:
    60,000 points
  • Annual fee:
    $550
  • Regular APR:
    19.24% – 26.24% Variable
  • Recommended credit:
    740-850 (Excellent)
  • Apply Now externa link icon At Chase’s secure site

Should You Get This Card?

This card is a strong contender for frequent travelers who prefer to stay at Hilton hotels, since it offers a lot of perks that can offset the high annual fee and focus on saving at Hilton properties. But if you don’t plan to stay at any hotels in the Hilton portfolio, you likely won’t get a lot of value out of this card. If you tend to stay at rival hotel chains like Marriott or Hyatt, or if you prefer boutique hotels or Airbnbs, this card is not a good choice for you.

You should also consider whether you travel enough to maximize this card’s many benefits and offset the cost. If you prefer Hilton properties, but you only travel occasionally, a general travel rewards card, or lower-cost Hilton card like the Hilton Honors American Express Card, may be a better fit.

That said, if you have some upcoming Hilton stays on your radar, this card may end up paying for itself. You’ll get a $250 airline fee credit for incidental charges from an airline of your choosing (such as Delta Air Lines, American Airlines, or United Airlines) and $250 for incidentals at Hilton hotels — those perks alone may offset the cost of the $450 annual fee. You’ll also get Hilton Diamond elite status, which can score you free room upgrades, waived resort fees, bonus points on stays, complimentary breakfast, and more. 

EDITORIAL INDEPENDENCE

As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.

*All information about the Hilton Honors American Express Aspire Card has been collected independently by NextAdvisor and has not been reviewed by the issuer.

Frequently Asked Questions

Does the Hilton Honors American Express Aspire Card have an annual fee?

Yes, this card has a $450 annual fee.

Do you get elite status with the Hilton Honors American Express Aspire card?

Yes, you’ll receive top-tier Hilton Diamond status.

What credit score do you need to get approved for the American Express Hilton Aspire card?

You’ll need good to excellent credit, between 670-850, for the best chances of approval for this card.