Hilton Honors American Express Aspire Card

The Aspire is the one Hilton card worth keeping even if you are not a Hilton loyalist, bundling $400 in Hilton Resort credits, a $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. Book one resort trip a year and use even half the credits, and the math works easily.

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Hilton Honors American Express Aspire Card card art

Metal card

Annual fee

$550

$45.83/mo equivalent
Welcome offer

150,000 points

≈$750 at our valuation
after $6,000 in 6 months
Recommended credit

700-790

Median 740. See why →

Earning rates

on Hilton Honors

14x

Hotels Resorts

Hilton portfolio only
7x

Airfare

Direct or Amex Travel
7x

Car Rentals

Select agencies
7x

Dining

U.S. only
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

Conditional

Reports only positive activity, and only once the AU is 18+. Negative reporting on the primary is removed from the AU's file.
Issuer policy

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

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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.