Hilton Honors Amex Aspire card review: Full detail...

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 status, bonus factors on Hilton stays and extremely beneficial assertion credit. This card is a wonderful possibility for Hilton loyalists. Card Score*: ⭐⭐⭐⭐½

*Card rating relies 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 Lodge Cobranded Credit score Card on the 2024 TPG Awards.

Even with the cardboard’s vital $550 annual charge, the advantages simply outweigh the associated fee, together with an annual free evening reward legitimate at practically any Hilton property. Your probabilities for approval are finest if in case you have a credit score of 700 or greater.

Here is every little thing it’s essential know concerning the Hilton Amex Aspire.

The data 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 supplied by the cardboard issuer.

With the Hilton Amex Aspire’s present welcome supply, new candidates can earn 175,000 factors after spending $6,000 on purchases throughout the first six months of card membership. These factors are beneficial — price $875, based on TPG’s June 2025 valuations.

That is the usual welcome offer we’ve seen, however it nonetheless meets our standards for when to use for the cardboard.

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).

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Associated: Hilton Honors: Everything to know about 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 vital worth because of the fifth-night-free profit whenever 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 at nearly any Hilton property worldwide after opening your account and in your cardmember anniversary annually. You may earn a second evening after spending $30,000 on the cardboard in a calendar yr and a 3rd evening 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 charge credit every calendar yr: You may obtain as much as $50 in assertion credit every calendar quarter for airfare purchases on flights bought straight from the airline or via AmexTravel.com.
• As much as $100 Hilton on-property credit score: Whenever you e book no less than a two-night paid keep at collaborating Waldorf Astoria or Conrad properties via 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 whenever you join a Clear Plus membership and pay together with your Hilton Aspire card.
• Rental automotive elite standing: You may obtain complimentary National Car Rental Emerald Club Executive status within the Emerald Membership program (enrollment required, phrases apply).
• Cellphone safety*: Cardmembers might be reimbursed for repairing or changing a broken or stolen gadget for a most of $800 per declare when the wi-fi invoice for the particular cellphone line is paid utilizing the Hilton Aspire card. There’s a restrict of two authorized claims inside a 12-month interval, and every declare has a $50 deductible.

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

Lastly, the Hilton Aspire has no foreign transaction fees.

*Eligibility and profit degree varies by card. Phrases, situations 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 presents 14 factors per greenback spent at inns within the Hilton portfolio. In line with TPG’s June 2025 valuation of Hilton factors at 0.5 cents per level, that is equal to a 7% return on spending.

You may additionally earn 7 factors per greenback spent (a 3.5% return) on flights booked straight with airways or via AmexTravel.com, automotive leases booked straight from choose automotive rental corporations and on eating at U.S. eating places.

Cardholders additionally earn 3 factors per greenback (a 1.5% return) on all different spending with the cardboard.

These aren’t groundbreaking charges, however for those who’re after incomes a bunch of factors on Hilton stays, this is a wonderful selection.

Associated: Best Hilton American Express credit cards

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

Though you may’t be totally positive what number of factors an award evening will value, because of Hilton’s variable award charts, you should use Hilton’s Factors Explorer to get a tough concept of what number of factors your required property will value.

It’s also possible to use your factors to subsidize paid stays with the Factors & Cash possibility, which might get you as much as 1 cent per level off your whole 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 have been out there 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 $600 price of Hilton factors, based on TPG’s June 2025 valuations.

Associated: Ways to redeem points with the Hilton Honors program

Hilton has greater than 25 airline companions to which you’ll be able to switch your Hilton Honors factors, comparable to Air Canada Aeroplan, British Airways Club, Cathay Pacific Asia Miles and Delta SkyMiles.

Nonetheless, that is typically not redemption as most companions have a particularly lackluster 10:1 ratio.

The one situation the place this might probably redemption is that if it’s essential high off an airline loyalty to buy an award ticket or want factors or miles with an airline program that does not have any bank card switch companions like China Jap Jap Miles and Saudia Alfursan.

Associated: Should you transfer hotel points to airline partners?

For extra choices, take a look at our checklist of the best hotel cards.

Associated: Hilton Surpass vs. Hilton Aspire: Do you want Gold or Diamond status?

Whereas its $550 annual charge may appear steep, it comes with a beneficial welcome supply, annual free evening certificates, computerized elite standing and a number of assertion credit (enrollment is required for choose advantages; phrases apply). For those who can make the most of all or most of those advantages, you may simply justify the Hilton Aspire’s annual fee.

Nonetheless, for those who do not stay at Hilton properties usually sufficient to get a lot worth from these advantages, you is likely to be higher off with a general travel rewards card.

Associated: How to choose a hotel credit card

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