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Amex Hilton Honors Aspire Review: A VIP Hotel Credit Card Packed With High-Value Perks

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Offer Status

The information for the Hilton Honors American Express Aspire Card has been collected independently by The Ascent. The card details on this page have not been reviewed or provided by the card issuer.

The Hilton Honors American Express Aspire Card has quickly become a cult favorite amongst travel rewards junkies. This broad appeal is less common for a cobranded hotel card, given that its rewards are mostly only useful to travelers who stay with Hilton regularly. But with a long list of high-value perks that more than make up for the card's moderately high annual fee (see rates and fees), it's not surprising that people love it. Find out more in this Hilton Honors American Express Aspire Card review.

Hilton Honors American Express Aspire Card
Rating image, 4.50 out of 5 stars.
4.50 stars
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
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Credit Score:
Good/Excellent (670-850) Info Icon Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

17.99% - 26.99%, variable

Rewards Info Icon Circle with letter I in it. 14 points per $1 at Hilton properties, 7 points per $1 on flights booked directly with the airline, rental cars booked through certain agencies, and dining in eligible U.S. restaurants, 3 points per $1 on all other eligible purchases

3X - 14x points

Annual Fee

$450

Welcome Offer Info Icon Circle with letter I in it. 150,000 Hilton Honors points by spending $4,000 in the first three months of card opening

150,000 Hilton Honors points

  • This card comes with a high annual fee, but if you travel frequently and love to stay with Hilton, the benefits of the card can easily outweigh the fee.

    • Big hotel rewards
    • Generous travel credits
    • Automatic Diamond status
    • Weekend night award
    • Airport lounge access
    • Credits can be hard to use
    • Earn 150,000 Hilton Honors points by spending $4,000 in the first three months of card opening.
    • Earn 14 points per $1 spent at Hilton properties.
    • Earn 7 points per $1 spent on flights booked directly with the airline, rental cars booked through certain agencies, and dining in eligible U.S. restaurants.
    • Earn 3 points per $1 on all other eligible purchases.
    • Earn up to $600 in statement credits.
    • Complimentary airport lounge access
    • Complimentary Diamond status

Full Amex Hilton Honors Aspire review

This credit card is a good fit for: Frequent guests of Hilton Hotels who want to significantly upgrade their travels. Consumers who stay at Hilton's higher-end properties will get the most out of this card.

Top perks

These are the top perks of this card:

150,000 points welcome offer

You'll earn 150,000 Hilton Honors points if you can spend $4,000 in the first three months of card opening. You can squeeze upwards of $800 in value out of this welcome bonus. Terms apply.

Earn up to 14 points per dollar

You'll earn 14 points per $1 spent at Hilton properties. Those points add up quickly if you're a Hilton loyalist. This card also gets you 7 points per $1 spent on flights booked directly with the airline or AmexTravel.com, rental cars booked directly with certain companies, and dining in eligible U.S. restaurants. Even given the low value of Hilton Honors points, this is a pretty good earn rate. The same is true of the 3 points you'll earn on all other purchases. Terms apply.

Read more: Best Rewards Credit Cards

Statement credits

As a premium travel credit card, the Hilton Honors American Express Aspire Card offers generous annual statement credits. Here's a rundown of the various statement credits:

  • Get a $250 airline fee statement credit for incidentals charged by your selected, one qualifying airline. Terms apply
  • Get a $250 Hilton Resort statement credit that can be spent on purchases at participating Hilton Resorts. You must charge purchases to your Hilton Honors American Express Aspire Card to receive the statement credits.
  • Receive a $100 Hilton on-property statement credit. The on-property credit can be applied to qualifying charges on stays of at least two nights at participating Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts properties. Terms apply.

Complimentary airport lounge access

Like most premium travel credit cards, this one also comes with a complimentary Priority Pass™ Select membership with enrollment. The membership grants access into over 1,200 airport lounges worldwide for you and two guests. Terms apply.

See more: Best Credit Cards With Airport Lounge Access

Automatic Diamond status

The Hilton Honors American Express Aspire Card is the only major hotel credit card that gives you automatic status at the highest tier possible. With Diamond status, you'll get 100% bonus points on stays, complimentary breakfast, executive lounge access, and suite upgrades, among other perks, when you're enrolled. Terms apply.

Weekend night rewards:

You'll get one free weekend night award on each cardmember anniversary, plus another free night award if you spend $60,000 in a calendar year. Terms apply.

To learn more about the card perks offered, check out our guide on Hilton Honors Aspire Card benefits.

Alternatives to consider

A travel card with more flexible travel options: The Chase Sapphire Preferred® Card is another great travel card with a generous sign up bonus and flexible redemption options. It also comes with a much lower annual fee.

If you want a premium card with more flexibility: The Platinum Card® from American Express earns valuable Membership Rewards points that can be applied to a variety of travel purchases. They can also be transferred to a long list of airline and hotel partners. This card also comes with premium benefits like complimentary airport lounge access with enrollment and lucrative statement credits. Terms apply.

See more options on our list for the best airline credit cards.

As of Sep. 23, 2022
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Hilton Honors American Express Aspire Card

Chase Sapphire Preferred® Card The Platinum Card® from American Express
Rating image, 4.50 out of 5 stars.
4.50 stars
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50 stars
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50 stars
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Apply Now for The Platinum Card® from American Express

On American Express' Secure Website.

Terms apply

Rates & Fees Rates & Fees

Credit Rating Requirement:

Good/Excellent (670-850) Info Icon Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Credit Rating Requirement:

Good/Excellent (670-850) Info Icon Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Credit Rating Requirement:

Good/Excellent (670-850) Info Icon Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Welcome Offer: Welcome Offer info 150,000 Hilton Honors points by spending $4,000 in the first three months of card opening

150,000 Hilton Honors points

Welcome Offer: Welcome Offer info Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

60,000 bonus points

Welcome Offer: Welcome Offer info Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership.

100,000

Rewards Program: Info Icon Circle with letter I in it. 14 points per $1 at Hilton properties, 7 points per $1 on flights booked directly with the airline, rental cars booked through certain agencies, and dining in eligible U.S. restaurants, 3 points per $1 on all other eligible purchases

3X - 14x points

Rewards Program: Info Icon Circle with letter I in it. Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.

2x - 5x points

Rewards Program: Info Icon Circle with letter I in it. Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. Earn 1X Membership Rewards® Points on other purchases.

1X - 5X points

Intro APR:

Purchases: N/A

Balance Transfers: N/A

Intro APR:

Purchases: N/A

Balance Transfers: N/A

Intro APR:

Purchases: n/a

Balance Transfers: n/a

Regular APR:

17.99% - 26.99%, variable

Regular APR:

18.24% - 25.24% Variable

Regular APR:

See Pay Over Time APR

Annual Fee:

$450

Annual Fee: Annual Fee Tooltip N/A

$95

Annual Fee:

$695

Highlights:

  • Earn 150,000 Hilton Honors points by spending $4,000 in the first three months of card opening.
  • Earn 14 points per $1 spent at Hilton properties.
  • Earn 7 points per $1 spent on flights booked directly with the airline, rental cars booked through certain agencies, and dining in eligible U.S. restaurants.
  • Earn 3 points per $1 on all other eligible purchases.
  • Earn up to $600 in statement credits.
  • Complimentary airport lounge access
  • Complimentary Diamond status

Highlights:

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

Highlights:

  • Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®. And if you fly, you can receive up to $200 in statement credits per calendar year after you select a qualifying airline and incidental fees are charged by the airline to your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. Plus Ups are excluded.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card®. Enrollment required.
  • $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at select airports and stadiums.
  • $695 annual fee.
  • Terms Apply.
Apply Now for The Platinum Card® from American Express

On American Express' Secure Website.

Terms apply

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The information for the Hilton Honors American Express Aspire Card has been collected independently by The Ascent. The card details on this page have not been reviewed or provided by the card issuer.

What could be improved

There are some areas that could be improved upon:

Annual fee

At $450, this card is far from cheap. However, it's still lower than other premium travel credit cards. The benefits easily make up for the annual fee. It's only a good card if you stay with Hilton often enough to take full advantage of the rewards, though. (See rates and fees)

Read more: Best Credit Cards

Find the best credit card for your needs

Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.

Suggested credit score

You'll need good to excellent credit -- a FICO® Score of at least 670 -- to have a good shot at qualifying for the Hilton Honors American Express Aspire Card. Aim for a credit score above 700. This is Hilton's premium credit card, so credit score requirements reflect its status. You should also be aware of some important American Express application rules.

The Amex Hilton Honors Aspire is right for you if:

  • You're a frequent traveler.
  • You prefer to stay with Hilton.
  • You can see yourself vacationing at a Hilton Resort every year.

The Hilton Honors American Express Aspire Card seems like a no-brainer for Hilton-loyal frequent travelers. Folks who can't see themselves using the Hilton Resort credit or the on-property credit for Waldorf and Conrad properties might find it harder to justify the annual fee. Even then, it can be easily recouped through the automatic Diamond status, free weekend night, and complimentary airport lounge access. As long as you stay with Hilton enough to make use of your Diamond status and the premium points on Hilton purchases, this card may prove valuable.

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