Pros & Cons

Pros

  • +Welcome Bonus: 150,000 points
  • +Up to 7x at restaurants
  • +Purchase protection included

Cons

  • High annual fee ($550/yr)
  • No lounge access

Our Review

Unlock Luxury Stays & Exclusive Perks with the Hilton Honors Aspire Card

  • 175,000 Bonus Hilton Honors Points when you spend $6,000 in purchases within the first 6 months of card membership
  • 14X points per $1 on Hilton stays
  • 7X points per $1 on flights booked directly with airlines or through AmexTravel.com, car rentals and U.S. restaurants
  • 3X points per $1 on all other eligible purchases
  • $450 Hilton resort credit annually (up to $150 per stay)
  • $250 airline fee credit per calendar year for incidental charges
  • $100 Digital Entertainment credit each year for eligible services
  • Automatic Hilton Honors Diamond status for room upgrades, free breakfast and premium Wi‑Fi
  • Complimentary Priority Pass™ Select membership with unlimited lounge visits
  • Free weekend night reward each year after renewal
  • No foreign transaction fees

This card is ideal for travelers who demand top-tier benefits at every stay. Earn accelerated points on all your Hilton bookings and everyday spending, then redeem them for free nights or premium experiences. Your annual credits offset the fee and elevate resort and airline travel, while Diamond status ensures comfort from check‑in to checkout. Manage your rewards effortlessly with the Amex app and enjoy seamless access to lounges worldwide.

Terms apply. Credits require enrollment and eligible purchases. See issuer for complete details.

Rewards

All Spending

3x

Hilton Honors pts per dollar

Restaurants

7x

Hilton Honors pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢
Groceries3x
$700/mo
Gas & EV3x
$200/mo
Transit3x
$100/mo
Restaurants7x
$300/mo
Pharmacy3x
$50/mo
Travel3x
$150/mo
Bills & recurring payments3x
$250/mo
Telecom3x
$150/mo
Entertainment & streaming3x
$100/mo
Office supplies3x
$0/mo
All other spending3x
$500/mo

Points Earned

104,400

Hilton Honors/yr

Estimated Value

$1,044

After Fees

+$494

1st Year Value

$1,994

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 3x25,200 pts
Gas & EV$2,400/yr × 3x7,200 pts
Transit$1,200/yr × 3x3,600 pts
Restaurants$3,600/yr × 7x25,200 pts
Pharmacy$600/yr × 3x1,800 pts
Travel$1,800/yr × 3x5,400 pts
Bills & recurring payments$3,000/yr × 3x9,000 pts
Telecom$1,800/yr × 3x5,400 pts
Entertainment & streaming$1,200/yr × 3x3,600 pts
All other spending$6,000/yr × 3x18,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year3.48x
Total points earned104,400 pts
Value of points accumulated in the first year$1,044

Perks & Benefits

Wi-Fi access

Included

Travel Credits

Included

Additional Benefits

Premium Global Assist Hotline: available 24/7 for coordination and assistance with services such as lost passport replacement assistance, translation services, missing luggage assistance and emergency legal and medical referrals while traveling more than 100 miles from home; emergency medical transportation/evacuation may be provided at no cost only if approved and coordinated by Premium Global Assist Hotline (Premium Global Assist Hotline Benefit Guide). Return Protection: if you try to return an eligible item within 90 days from the date of purchase and the merchant won't take it back, American Express may refund the full purchase price, up to $300 per item, excluding shipping and handling charges, and up to a maximum of $1,000 per Card Member account per calendar year (Return Protection Benefit Guide). Global Dining Access by Resy; Cell Phone Protection up to $800 per claim, 2 approved claims per 12-month period, $50 deductible; Amex Special Ticket Access; American Express Venue Collection™; Send & Split®. Travel benefits: Hilton Honors™ Diamond Status, which gives a 100% Bonus on Base Points earned on every stay, Premium Wi-Fi and space-available room upgrades at select properties, and executive lounge access at select properties; an Annual Free Night Reward from Hilton Honors in the first year and every year upon Card renewal, plus a Free Night Reward after $30,000 in purchases in a calendar year and another after an additional $30,000; National Car Rental® Emerald Club Executive® Status; No Foreign Transaction Fees; Car Rental Loss and Damage Insurance; Premium Global Assist® Hotline; Baggage Insurance Plan (up to a combined maximum of $3,000 for checked and carry-on Baggage); Trip Delay Insurance (covered delays over 6 hours, up to $500 per trip); Trip Cancellation and Interruption Insurance (up to $10,000 per trip). Travel credits: $400 Hilton Resort Credit (up to $200 in statement credits semi-annually on eligible purchases made directly with participating Hilton Resorts); $200 Flight Credit (up to $50 in statement credits each quarter on flight purchases made directly with an airline, through AmexTravel.com or the Amex Travel App™); $219 CLEAR+ Credit per calendar year; up to $100 Property Credit for qualifying charges at Waldorf Astoria® Hotels & Resorts and Conrad® Hotels & Resorts on a 2-night minimum stay booked at the Aspire Card Benefit rate.

Travel Insurance

Trip Cancellation

Up to $10,000

Trip Interruption

Up to $10,000

Lost Baggage

Up to $3,000

Flight Delay

Up to $500

Purchase Protection

Purchase Protection

Up to $10,000 / 90 days

Extended Warranty

+1 years

Mobile Device

Up to $800

Auto Rental Collision (secondary)

Up to $75,000 / 30 days

View the insurance certificate (PDF)

Fees and interest rates

  • Annual Fee
    $550
  • Foreign currency conversion fee
    0%

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 American Express. All trademarks are property of their respective owners.