Hilton Honors Amex Aspire card assessment: Full particulars

The Hilton Honors American Categorical Aspire Card is a premium resort bank card loaded with top-tier advantages. Key perks embrace complimentary Hilton Diamond elite standing, bonus factors on Hilton stays and priceless assertion credit. This card is a wonderful choice for Hilton loyalists. Card Score*: ⭐⭐⭐⭐½

*Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

It is no shock that the Hilton Aspire was named the Finest Resort Cobranded Credit score Card on the 2024 TPG Awards.

Even with the cardboard’s important $550 annual payment, the advantages simply outweigh the associated fee, together with an annual free night time reward legitimate at practically any Hilton property. Your probabilities for approval are greatest you probably have a credit score rating of 700 or larger.

Here is all the pieces it’s worthwhile to know in regards to the Hilton Amex Aspire.

The knowledge for the Hilton Amex Aspire card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

These 175,000 factors are fairly priceless — value $1,050, based on TPG’s February 2025 valuations.

That is simply 5,000 factors wanting the greatest supply we have seen, and it meets our standards for when to use for the cardboard.

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Keep in mind that Amex solely permits you to earn one bonus per card in a lifetime, so it is necessary to use for a card when it has its best-ever welcome supply (or near it).

Associated: Hilton Honors: All the things to know in regards to the loyalty program

• Hilton Honors Diamond standing: So long as your card account is open, you may obtain Hilton Diamond elite standing for the first cardmember. Diamond standing can add important worth due to the fifth-night-free profit while you e book a stick with factors, bonus factors, lounge entry at choose properties, complimentary breakfast and space-available room upgrades you may get with it.
• As much as three reward nights: You may obtain one night time at virtually any Hilton property worldwide after opening your account and in your cardmember anniversary every year. You’ll be able to earn a second night time after spending $30,000 on the cardboard in a calendar yr and a 3rd night time after spending $60,000 on the cardboard in a calendar yr.
• As much as $400 in Hilton resort assertion credit: Throughout every calendar yr, you may obtain as much as $400 (as much as $200 semi-annually) in assertion credit for eligible purchases at eligible Hilton resorts. That $400 can be utilized on eating, actions, spa remedies, room charges and taxes.

• As much as $200 in annual airline payment credit every calendar yr: You may obtain as much as $50 in assertion credit every calendar quarter for airfare purchases on flights bought immediately from the airline or by AmexTravel.com.
• As much as $100 Hilton on-property credit score: Whenever you e book at the very least a two-night paid keep at collaborating Waldorf Astoria or Conrad properties by hiltonhonorsaspirecard.com (or over the cellphone at 855-292-5757), you may obtain a credit score of as much as $100 for incidentals throughout your keep.
• Clear Plus membership: You may obtain as much as $199 in assertion credit per yr while you join a Clear Plus membership and pay together with your Hilton Aspire card.
• Rental automotive elite standing: You may obtain complimentary Nationwide Automotive Rental Emerald Membership Government standing after enrollment within the Emerald Membership program (phrases apply).
• Cellphone safety*: Cardmembers might be reimbursed for repairing or changing a broken or stolen system for a most of $800 per declare when the wi-fi invoice for the precise cellphone line is paid utilizing the Hilton Aspire card. There’s a restrict of two permitted claims inside a 12-month interval, and every declare has a $50 deductible.

Enrollment is required for choose advantages; phrases apply.

The cardboard additionally carries some journey protections, together with journey delay insurance coverage* (when your flight is delayed by greater than six hours) and journey cancellation and interruption insurance coverage.*

Lastly, the Hilton Aspire has no international transaction charges.

*Eligibility and profit degree varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.

The Hilton Amex Aspire card provides 14 factors per greenback spent at resorts within the Hilton portfolio. In line with TPG’s February 2025 valuation of Hilton factors at 0.6 cents per level, that is equal to an 8.4% return on spending.

You may additionally earn 7 factors per greenback spent (a 4.2% return) on flights booked immediately with airways or by AmexTravel.com, automotive leases booked immediately from choose automotive rental corporations and on eating at U.S. eating places.

Lastly, you may earn 3 factors per greenback spent (a 1.8% return) on all different spending with the cardboard.

Associated: Finest Hilton American Categorical bank cards

Hilton offers you a lot choices when it comes time to make use of your factors. We advise utilizing them for traditional award nights to get the very best worth, however you can too redeem them for merchandise, reward playing cards, premium room redemptions and airline transfers (at a roughly 10:1 ratio).

Though you may’t be fully positive what number of factors an award night time will value due to Hilton’s variable award charts, you need to use Hilton’s Factors Explorer to get a tough thought of what number of factors your required property will value.

You can too use your factors to subsidize paid stays with the Factors & Cash choice, which might get you as much as 1 cent per level off your complete room invoice when selecting costly Hilton properties.

TPG director of journey content material Eric Rosen utilized the fifth-night-free profit to maximise the worth of his factors for a keep on the Waldorf Astoria Los Cabos Pedregal. Customary award nights had been obtainable for 120,000 factors every on the time of his keep.

Using his fifth-night-free profit, he paid simply 480,000 factors for his five-night keep there and saved $720 value of Hilton factors, based on TPG’s February 2025 valuations.

Associated: Methods to redeem factors with the Hilton Honors program

For added choices, try our record of the greatest resort playing cards.

Associated: Hilton Surpass vs. Hilton Aspire: Would you like Gold or Diamond standing?

Whereas its $550 annual payment might sound steep, it comes with a priceless welcome supply, annual free night time certificates, automated elite standing and a number of assertion credit (enrollment is required for choose advantages; phrases apply). When you can make the most of all or most of those advantages, you may simply justify the Hilton Aspire’s annual payment.

Nonetheless, if you happen to do not stay at Hilton properties usually sufficient to get a lot worth from these advantages, you could be higher off with a common journey rewards card.

Associated: How to decide on a resort bank card

For charges and charges of the Hilton Surpass Card, click on right here.
For charges and charges of the Amex Platinum, click on right here.