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Hilton Honors American Express Aspire Card

  • Regular Purchase APR 17.24% to 26.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 17.24% to 26.24% variable on transfers requested within 60 days from account opening date
  • Cash Advance APR 26.74% variable based on the Prime Rate
  • Annual Fee $450
  • Credit Needed Excellent
  • Processing Network American Express
Best Benefits
  • ◉  14X points for Hilton hotels and resorts
  • ◉   7X points on flights booked directly with airlines or through amextravel.com, ca
  • ◉   7X points on car rentals booked directly from select car rental companies
  • ◉   7X points at US restaurants
  • ◉   3X points on all other purchases
  • ◉   Complimentary Diamond Status in the Hilton Honors rewards program
  • ◉   Anniversary bonus of one weekend night
  • ◉   Earn additional weekend night reward after spending $60,000 within calendar year
  • ◉   $250 Hilton resort statement credit
Rates & Fees
  •  Regular Purchase APR: 17.24% to 26.24% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 17.24% to 26.24% variable on transfers requested within 60 days from account opening date
  •  Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  •  Cash Advance APR: 26.74% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  •  Penalty APR: 29.99% variable based on the Prime Rate
  •  Annual Fee: $450
  • Late Payment Penalty Fee: Up to $39
  •  Return Payment Penalty Fee: Up to $39
  •  Credit Needed: Excellent

 

At a Glance

The Hilton Honors American Express Aspire Card is a behemoth of a hotel card, offering new cardmembers the ability to earn 150,000 Hilton Honors Bonus Points after making $4,000 in eligible purchases on the card within the first 3 months of the account opening. This card also grants the ability to earn a whopping 14x Hilton Honors Bonus Points per dollar spent on direct Hilton hotel and resort purchases; 7X points on flights booked directly with airlines or amextravel.com, car rentals booked directly from select companies, and at U.S. restaurants; and 3X points per dollar on all other eligible purchases.

Ideal for Those Who:

  • Will spend $4,000 within the first 3 months of opening an account
  • Want lounge access to over 1,000 airport lounges worldwide
  • Book stays at Hilton Resorts at least once per year
  • Will make $60,000 in purchases per year

Hilton Honors American Express Aspire Review

Few hotel cards can rival the earning potential of the Hilton Honors American Express Aspire Card. In addition to an impressive signup bonus, generous reward rates, an anniversary bonus, free room upgrades, complimentary breakfast for every stay, this card offers non-hotel related perks such as reimbursement for airline incidentals, a complimentary Priority Pass™ Select membership, as well as free 2-day shipping through ShopRunner. Although the card has an annual fee on the high end of the scale at $450, this luxury travel card provides both immediate and ongoing value that makes it easy for loyal Hilton customers to recoup the upfront cost.

New cardholders can immediately earn several free nights of hotel stay with the Hilton Honors Aspire Card’s generous intro bonus of 150,000 points. Qualifying for this signup bonus will require $4,000 in eligible purchases on the card within the first 3 months of being a cardmember. The value of Hilton points will vary depending on the property, but on average are worth 1/2 a cent each. This brings the total value of the Hilton Honors Aspire signup bonus to an approximate $750.

The most bang for your buck will come from Hilton hotel stay and will earn 14X points per dollar on direct Hilton hotel and resort purchases. You can also earn 7X points on flights booked directly with airlines on amextravel.com, car rentals booked directly from select companies, and at U.S. restaurants. All other purchases will earn a very generous 3X points per dollar, giving this card surprisingly well-rounded earning potential that could make it suitable for use as your go-to travel card.

Regardless of how much you spend (or don’t), you’ll receive one weekend night’s stay every year, just for being a cardholder. And in case you didn’t already have a reason to use the Hilton Honors Aspire Card as your primary credit card, you can earn an extra free night’s stay after spending $60,000 per calendar year. That’s two free nights at a Hilton Hotel or Resort simply for owning this card.

The Hilton Honors Aspire Card also provides a number of statement credit opportunities and creates even more ways for cardholders to recoup the cost of the card’s annual fee. Enjoy a $250 in statement credits for eligible purchases at participating Hilton Resorts as well a $250 in airline credit to get you there. The airline fee credit covers incidental charges such as checked baggage, in-flight purchases, or change fees. If you are staying at a Waldorf Astoria or Conrad hotel, you can get up to $100 in credit to further boost your savings.

Another enticing benefit is complimentary Diamond status – the highest tier of Hilton Honors membership. This includes a swath of swanky perks like executive lounge access, late check-out, elite status gifting, and more. However, the most notable perk of Diamond status is a 100% bonus on points earned for every dollar spent that continues to expedite the earning of a complimentary hotel stay. With a base earning of 10X per dollar spent, simply being a Diamond-level member would make $1 worth 20 points. When this is combined with the 14X points from being a Hilton Honors American Express Aspire cardholder, it brings the total value of $1 spent at a Hilton location to a whopping 24 points.  

Should You Apply for the Hilton Honors American Express Aspire Card?

Overall, the Hilton Honors American Express Aspire Card is definitely a credit card to be considered if you’re looking for hotel perks. This card makes it incredibly easy to earn free-night stay from everyday purchases – not just travel-related ones – and the very rewarding structure of the Hilton loyalty program. Additionally, once you are on-site the Hilton Honors Aspire Card continues to significantly enhance your hotel experience through the complimentary Diamond status, which by itself is a fantastic value. While the $450 annual fee may seem high, those who take advantage of the statement credits and the perks of Diamond status will immediately recover those costs.  

 

Editorial Disclosure — The opinions expressed on BestCards’ reviews, blogs, and all other content on or relating to the website are solely those of the content’s author. They are not reflective of any card issuer or financial institution and have not been reviewed or approved by these entities unless otherwise noted. Further, BestCards lists credit card offers that are updated daily with information believed to be accurate to the best of our knowledge.

Published: January 2, 2020 8:17 am

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