Hilton Honors Amex Aspire card review: Full details

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

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

Even with the cardboard’s important $550 annual charge, the advantages simply outweigh the price, together with an annual free night time reward legitimate at almost any Hilton property. Your probabilities for approval are finest you probably have a credit score of 700 or increased.

This is all the pieces it’s worthwhile to know concerning 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 supplied by the cardboard issuer.

These 175,000 factors are fairly useful — value $1,050, in response to TPG’s February 2025 valuations.

That is simply 5,000 factors in need of the best offer we’ve seen, and it meets our standards for when to use for the cardboard.

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Do not forget that Amex solely lets you earn one bonus per card in a lifetime, so it is vital to use for a card when it has its best-ever welcome provide (or near it).

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 important worth due to the fifth-night-free profit whenever you guide 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 virtually any Hilton property worldwide after opening your account and in your cardmember anniversary every year. You may 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 therapies, 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 instantly from the airline or via AmexTravel.com.
• As much as $100 Hilton on-property credit score: Whenever you guide not less than a two-night paid keep at taking part Waldorf Astoria or Conrad properties via hiltonhonorsaspirecard.com (or over the telephone 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 automobile elite standing: You may obtain complimentary National Car Rental Emerald Club Executive status after enrollment within the Emerald Membership program (phrases apply).
• Cellphone safety*: Cardmembers could 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 precise cellphone line is paid utilizing the Hilton Aspire card. There’s a restrict of two accepted 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 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 stage 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 lodges 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 instantly with airways or via AmexTravel.com, automobile leases booked instantly from choose automobile 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: 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 one of the best worth, however it’s also possible to redeem them for merchandise, reward playing cards, premium room redemptions and airline transfers (at a roughly 10:1 ratio).

Though you may’t be completely positive what number of factors an award night time will value due to Hilton’s variable award charts, you should use Hilton’s Factors Explorer to get a tough thought 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 choice, 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. Normal award nights had been accessible 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, in response to TPG’s February 2025 valuations.

Associated: Ways to redeem points with the Hilton Honors program

For added choices, take a look at our listing of the best hotel cards.

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

Whereas its $550 annual charge might sound steep, it comes with a useful welcome provide, annual free night time certificates, automated 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, in the event you do not stay at Hilton properties typically 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 charges of the Hilton Surpass Card, click on here.
For charges and charges of the Amex Platinum, click on here.