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American Express

Hilton Honors American Express Aspire Card

The Aspire is the only Hilton card worth keeping for non-Hilton-loyalists: $400 in Hilton Resort credits, $200 flight credit, $209 CLEAR+, an annual free night good at almost any Hilton, and complimentary Diamond status that turns regular Hilton stays into upgrades, premium Wi-Fi, and lounge access at select properties. The math works easily if you book one resort trip a year and use even half the credits.

See current offer Issuer terms
Hilton Honors American Express Aspire Card card art
Metal card
  • Annual fee
    $550
    $45.83/mo equivalent
  • Welcome offer
    150,000 points
    after $6,000 in 6 months
  • Recommended credit
    700-790
    Median 740. See why →

Earning rates

on Hilton Honors
  • 14x
    Hotels Resorts
  • 7x
    Airfare
  • 7x
    Car Rentals
  • 7x
    Dining
  • 3x
    Everything else

Benefits and credits

Travel credits and perks

  • $200 Flight Credit
    $50
  • $209 CLEAR Plus Credit
    $209
  • $400 Hilton Resort Credit
    $200
  • Annual Free Night Reward
  • Premium Global Assist Hotline

Purchase and protection benefits

  • Cell Phone Protection
    Up to $800
  • Extended Warranty
    Up to $10,000
  • Purchase Protection
    Up to $10,000 · 90d
  • Return Protection
    Up to $300 · 90d

Lounge access

  • Priority Pass Select
    Unlimited visits
    2 guests
    Restaurants included

Elite status conferred

  • hilton honors
    Diamond
  • national emerald club
    Executive

Travel and purchase coverage

  • Baggage delay
    $500
    Delay threshold 6h
    Secondary coverage
  • Rental car collision damage waiver
    Secondary coverage
  • Trip cancellation and interruption
    $10,000
    Secondary coverage
  • Trip delay reimbursement
    $500
    Delay threshold 6h
    Secondary coverage

Pricing and fees

Full Pricing and Terms
Purchase APR
19.49% to 28.49%
Foreign tx
None
Penalty APR (cap)
29.99%
Balance transfer
Not disclosed
Fee Not disclosed
Cash advance
28.74%
Fee $10 or 5.00%, whichever is greater
Late / returned
$40 · $40

Eligibility and application

  • Card type
    Unsecured personal card
  • Pre-qualification
    Soft-pull pre-qualification available
  • Application inquiry
    Hard credit inquiry on submission
  • Approval bureau
    Not disclosed by issuer
  • Authorized user fee
    $175
  • Reports AU to bureaus
    Not disclosed

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

4 data points reviewed

Similar cards

Cards with the most in common, based on the math.

  • Hilton Honors American Express Surpass Card card art
    Hilton Honors American Express Surpass Card
    Amex

    The Surpass is the mid-tier Hilton cobrand at $150 a year, sitting between the no-fee Hilton Honors and the $550 Aspire.

    $150 annual fee
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  • Chase Sapphire Reserve card art
    Chase Sapphire Reserve
    Chase · Visa

    The Sapphire Reserve is the premium tier of Chase's Ultimate Rewards ecosystem at $795 a year, designed for travelers who book through Chase Travel and want a lounge network to back up the math.

    $795 annual fee
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  • Hilton Honors American Express Card card art
    Hilton Honors American Express Card
    Amex

    Hilton Honors is the no-annual-fee entry to the Hilton trio.

    $0 annual fee
    View card Compare

Sources

Data current as of May 14, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.