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Hilton Honors American Express Aspire Card

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Rates and Fees

Annual Fee: $550

Bonus Miles
Bonus Points
150,000
Recommended Credit
Good to Excellent
Current Offer

Earn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

150,000
Bonus Points

Earn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

For American Express products listed in this page, Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

Summary

The Hilton Honors American Express Aspire Card is a top-tier travel rewards card offering extensive perks and benefits tailored for frequent travelers. With complimentary elite status, cardholders enjoy premium hotel experiences such as room upgrades, bonus points on stays, and access to executive lounges. The card also provides substantial annual credits and additional benefits, making it a compelling choice for those seeking luxury accommodations and exclusive travel privileges.

Earning Rewards

[.redeem] 14x [.redeem] per $1 on eligible purchases at hotels and resorts in the Hilton portfolio

[.redeem] 7x [.redeem] per $1 on select travel (flights booked directly with airlines or on AmexTravel.com, and car rentals booked directly with select car rental companies)

[.redeem] 7x [.redeem] per $1 at U.S. restaurants, including takeout and delivery

[.redeem] 3x [.redeem] per $1 for other eligible purchases

Additional Benefits

  • Enhance your hotel stay with complimentary Hilton Honors™ Diamond Status and enjoy a world of hotel privileges and benefits. Get exclusive perks at any of Hilton's 24 hotel brands, like a 100% Bonus on Base Points earned on every stay, Premium Wi-Fi and space-available room upgrades at select properties, and more.
  • Enjoy an Annual Free Night Reward from Hilton Honors in your first year of Card Membership and every year upon Card renewal.
  • $400 Hilton Resort Credit: Get up to $200 in statement credits semi-annually for eligible purchases made directly with participating Hilton Resorts on your Hilton Honors Aspire Card. That's up to $400 back annually.
  • $200 Flight Credit: Get 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 or through amextravel.com using your Hilton Honors American Express Aspire Card.
  • Earn a Free Night Reward from Hilton after you spend $30,000 in purchases on your Card in a calendar year. Plus, you can earn an additional Free Night Reward from Hilton after you spend an additional $30,000 (for a total of $60,000) in purchases on your Card in the same calendar year.
  • $209 CLEAR® Plus Credit: You can receive up to $209 in statement credits per calendar year after you sign up and pay for a CLEAR Plus Membership (subject to auto-renewal) with your eligible Hilton Honors American Express Aspire Card.
  • $100 Property Credit: How it Works: To receive up to $100 in credits for qualifying hotel charges, book a 2-night minimum stay at participating Waldorf Astoria® Hotels & Resorts and Conrad® Hotels & Resorts with your Card through hiltonhonorsaspirecard.com and select the Aspire Card Benefit rate option on the booking page or call Hilton Honors at (855) 292-5757 with the proper booking reference. See Terms & Conditions for further details.
  • Hilton Honors Aspire Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
  • See Rates & Fees

Foreign Transaction Fee

Rates and Fees
  • None

For American Express products listed in this page, Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

Also consider

🏆 Best for Hilton Gold Status

Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card

🏆 Best for Hilton Gold Status

130,000
Bonus Points
Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership.
130,000
Bonus Points
Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership.
The Hilton Honors Surpass card is a premium hotel rewards credit card that provides Hilton enthusiasts with generous rewards, including complimentary Hilton Honors Gold status, elevated points earning potential, and a free night reward upon reaching a spending threshold. With a moderate annual fee, this card is an excellent choice for travelers who frequently stay at Hilton properties and want to enjoy enhanced benefits and substantial rewards.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🏆 Best Entry-level Hilton Card

Hilton Honors American Express Card

Hilton Honors American Express Card

Hilton Honors American Express Card

🏆 Best Entry-level Hilton Card

80,000
Bonus Points
Earn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you spend $2,000 in purchases on the Card within your first 6 months of Card Membership.
80,000
Bonus Points
Earn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you spend $2,000 in purchases on the Card within your first 6 months of Card Membership.
The Hilton Honors Amex card is a travel rewards credit card that offers Hilton enthusiasts the opportunity to earn points on everyday spending and enjoy complimentary Hilton Honors Silver status, making it a valuable choice for those who frequently stay at Hilton properties. With no annual fee, this card provides a cost-effective way to enhance your Hilton hotel experience and earn rewards.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
Earn 150,000 Hilton Honors Bonus Points after you spend $6,000 within your first 6 months of Card Membership.
150,000
Bonus Points

Hilton Honors American Express Aspire Card

CURRENT OFFER

150,000

Bonus Points

Earn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

REWARDS RATE
3-14x points
ANNUAL FEE
$550
Our Score
87
Annual fee (20%)
2
Welcome Offer (20%)
10
Point Redemption Value (20%)
5
Rewards Rates (15%)
10
Benefits (15%)
10
Travel Protections (10%)
10
Our Mission
Rating Methodology

Our Take

McKay Moffitt

The Hilton Amex Aspire does have a high annual fee, but it’s surprisingly easy to get more value out of it than you put in. The free night certificate alone can cover much of the cost, and the resort and airline credits add even more back in your pocket if you plan ahead (terms apply). Pair that with automatic Diamond status (giving you upgrades, breakfast or dining credits, and lounge access), and this card can easily pay for itself for anyone who stays with Hilton even occasionally. For loyal Hilton guests, it’s less of a luxury and more of a reliable way to elevate every trip.

Comparable Cards

Hilton Honors American Express Surpass® Card

Annual Fee: $150

Rates & Fees
|
Terms Apply
WELCOME OFFER
130,000
Bonus Points
OUR SCORE
87

IHG One Rewards Premier Credit Card

Annual Fee: $99

Rates & Fees
|
Terms Apply
WELCOME OFFER
140,000
Bonus Points
OUR SCORE
91

The World of Hyatt Credit Card

Annual Fee: $95

Rates & Fees
|
Terms Apply
WELCOME OFFER
2 Free Nights + 25k
Bonus Points
OUR SCORE
90
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Pros & Cons

Pros

[.pro] Premium perks and benefits for Hilton loyalists [.pro]

[.pro] High earning rate categories for travel-related purchases [.pro]

[.pro] Travel-related credits and perks [.pro]

Cons

[.con] Premium perks means a high annual fee [.con]

[.con] Limited to Hilton-specific benefits [.con]

Rewards Summary

[.redeem] 14x [.redeem] per $1 on eligible purchases at hotels and resorts in the Hilton portfolio

[.redeem] 7x [.redeem] per $1 on select travel (flights booked directly with airlines or on AmexTravel.com, and car rentals booked directly with select car rental companies)

[.redeem] 7x [.redeem] per $1 at U.S. restaurants, including takeout and delivery

[.redeem] 3x [.redeem] per $1 for other eligible purchases

Additional Benefits

  • Enhance your hotel stay with complimentary Hilton Honors™ Diamond Status and enjoy a world of hotel privileges and benefits. Get exclusive perks at any of Hilton's 24 hotel brands, like a 100% Bonus on Base Points earned on every stay, Premium Wi-Fi and space-available room upgrades at select properties, and more.
  • Enjoy an Annual Free Night Reward from Hilton Honors in your first year of Card Membership and every year upon Card renewal.
  • $400 Hilton Resort Credit: Get up to $200 in statement credits semi-annually for eligible purchases made directly with participating Hilton Resorts on your Hilton Honors Aspire Card. That's up to $400 back annually.
  • $200 Flight Credit: Get 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 or through amextravel.com using your Hilton Honors American Express Aspire Card.
  • Earn a Free Night Reward from Hilton after you spend $30,000 in purchases on your Card in a calendar year. Plus, you can earn an additional Free Night Reward from Hilton after you spend an additional $30,000 (for a total of $60,000) in purchases on your Card in the same calendar year.
  • $209 CLEAR® Plus Credit: You can receive up to $209 in statement credits per calendar year after you sign up and pay for a CLEAR Plus Membership (subject to auto-renewal) with your eligible Hilton Honors American Express Aspire Card.
  • $100 Property Credit: How it Works: To receive up to $100 in credits for qualifying hotel charges, book a 2-night minimum stay at participating Waldorf Astoria® Hotels & Resorts and Conrad® Hotels & Resorts with your Card through hiltonhonorsaspirecard.com and select the Aspire Card Benefit rate option on the booking page or call Hilton Honors at (855) 292-5757 with the proper booking reference. See Terms & Conditions for further details.
  • Hilton Honors Aspire Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
  • See Rates & Fees

Customer Reviews & Redemptions

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The reviews above are not provided or commissioned by the bank advertiser. Customer reviews have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. 

How to make the most of your

Hilton Honors American Express Aspire Card

When it comes to Hilton Honors Bonus Points, the best way to maximize your miles is to redeem them with travel.

[.dontreco] We don’t recommend: Redeeming points for Amazon purchases  [.dontreco]

While it's possible to use your points for purchases on Amazon, the value per point is quite low. You’ll get much more value by using your points for hotel stays.

[.sometimesreco] We sometimes recommend: Booking through the Hilton Honors website [.sometimesreco]

Booking directly through the Hilton Honors website can offer decent value, especially during sales or promotions. However, you might not always get the highest value per point.

[.alwaysreco] We always recommend: Using points for stays at high-end properties [.alwaysreco]

The best value often comes from redeeming points for stays at high-end Hilton properties, such as Waldorf Astoria and Conrad hotels. These redemptions can provide significant savings, especially during peak travel times.

Transfer Partners

While the Hilton Honors Amex Aspire does have certain airline and hotel transfer partners, those ratios do not provide the best value for your points... or really any value for that matter.

PROGRAM NAME
TRANSFER RATIO

Offer History

OFFER DATES
OFFER DETAILS
Current Offer since
Aug 2025
through
Earn 150,000 bonus points after spending $6,000 on purchases in the first six months of card membership.
Current Offer since
Jun 2025
through
Aug 2025
Earn 175,000 bonus points after spending $6,000 on purchases in the first six months of card membership. Offer ends Aug. 13.
Current Offer since
Apr 2025
through
Jun 2025
Earn 150,000 bonus points after spending $6,000 on purchases in the first six months of card membership.
Current Offer since
Feb 2025
through
Apr 2025
Earn 175,000 bonus points after spending $6,000 on purchases in the first six months of card membership.
Current Offer since
Aug 2024
through
Feb 2025
Earn 150,000 bonus points after spending $6,000 on purchases in the first six months of card membership.
Current Offer since
Apr 2024
through
Aug 2024
Earn 175,000 bonus points after spending $6,000 on purchases in the first six months of card membership.
Current Offer since
Mar 2024
through
Apr 2024
Earn 180,000 bonus points after spending $6,000 on purchases in the first six months of card membership.
Current Offer since
Jan 2024
through
Mar 2024
Earn 150,000 bonus points after spending $6,000 on purchases in the first six months of card membership.
Current Offer since
Oct 2023
through
Jan 2024
Earn 180,000 bonus points after spending $6,000 on purchases in the first six months of card membership.
Current Offer since
Jul 2023
through
Oct 2023
Earn 150,000 bonus points after spending $4,000 on purchases in the first three months of card membership.

Best Complementary Cards

Capital One Venture X Rewards Credit Card

The Hilton Aspire Card covers your Hilton stays super well, but the Capital One Venture X Rewards Credit Card fills in every gap outside the Hilton situation. With double miles on everything, a generous annual travel credit, and access to Capital One Lounges and Priority Pass (enrollment required), it’s the perfect “all other purchases” card. Use your Venture X for flights, car rentals, and non-Hilton hotels, then rely on the Aspire for top-tier Hilton perks, free nights, and boosted earnings.

American Express® Gold Card

ELEVATED OFFER

The Hilton Aspire Card already gives you great Hilton perks, but pairing it with the American Express® Gold Card takes your everyday earning potential to the next level. The Gold Card is great for dining out and grocery hauls, racking up Membership Rewards points. Transfer those points to Hilton Honors when you need a top-up for your next stay, while keeping your Aspire Card reserved for Hilton purchases and travel perks.

Who Should Get The

Hilton Honors American Express Aspire Card

?

1. The Hilton Loyalist

If Hilton is your go-to hotel brand, this card is built for you. Automatic Diamond status means upgrades, breakfast or dining credits, and executive lounge access, all without much effort. Add the free night certificate each year and strong earning rates on Hilton stays, and it’s a great option for anyone who wants premium perks every time they check in.

2. The Frequent Traveler

If you’re always checking into hotels, the Aspire’s combination of credits, elite status, and travel protections can go a long way. The resort and airline credits can be easy to use with a bit of planning, and the card’s high earning rates at Hilton properties mean your stays keep funding your next trip. And even if you don’t travel constantly, the Aspire can still be worth it if you enjoy one or two special getaways each year. A single free night at a high-end Hilton, paired with the included perks, can help with the annual fee — and make those trips feel a lot nicer.

Who Should Not Get The

Hilton Honors American Express Aspire Card

?

Here’s a good rule of thumb: You probably shouldn’t own a credit card if you: (1) have a bad credit score, (2) are a non-U.S. resident (for this particular card), and (3) cannot control your spending. If your credit score is low, you'll need to improve it before applying for travel credit cards, as approval for the best ones, like the Hilton Amex Aspire Card, is unlikely. Be honest with yourself: if a new credit card will tempt you to overspend, it's best to avoid it. Credit cards are crucial for earning miles and points, but they require responsible use.

Frequently Asked Questions (FAQs)

How can I maximize Hilton points with the Aspire Card?

Use the Aspire Card for all Hilton purchases to earn the highest points per dollar, and pair it with a flexible points card. Redeem during Hilton’s Points & Money promotions or when luxury properties have standard room award availability for the best value.

Is the Hilton Aspire Card worth the annual fee?

For frequent Hilton guests, the Aspire Card is worth the annual fee. Between Diamond status, the free night reward, annual travel credits, and bonus points on Hilton purchases, the total value often far exceeds the fee.

Does the Hilton Aspire Card come with Hilton Diamond status?

Yes, the Aspire Card includes complimentary Hilton Honors Diamond status for as long as you have the card, unlocking upgrades, free breakfast or daily food credits, late checkout, and premium Wi-Fi (benefits vary by property).

Our Experts

Written by: McKay Moffitt

Content Specialist

Edited by: Tiffany Eastham

Writer & Editor

Updated:  
August 19, 2025

For American Express products listed in this page, Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

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