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American Express · hilton

Hilton Honors American Express Aspire Card

4.6 / 5
Hilton Honors points · Personal card

The strongest hotel card in the market for anyone who actually stays at Hilton resorts. The free night plus credits exceed the $550 fee with ordinary use.

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At a glance

Issuer terms
Welcome bonus
175,000 points
Spend $6,000 in 6 months
Annual fee
$550
Year-one and ongoing
Purchase APR
20.99% to 29.99%
No intro APR
FX fee
None
Rates accurate as of
Editorial

Our take

The strongest hotel card in the market for anyone who actually stays at Hilton resorts. The free night plus credits exceed the $550 fee with ordinary use.

Verdict

Pros & cons

Pros

  • Automatic Diamond status
  • Annual free night at almost any Hilton
  • $400 resort and $200 airline credits
  • 14x earning on Hilton stays

Cons

  • Hilton points are worth about 0.35 cents each
  • Resort credit is limited to participating properties
  • Secondary rental coverage only
Earnings

Earn rates

CategoryRateNotes
Hilton stays14x pointsHilton portfolio hotels and resorts.
Flights direct7x pointsBooked directly with airlines or through Amex Travel.
Car rentals direct7x pointsBooked directly with select companies.
Restaurants7x pointsUS restaurants.
All other purchases3x points
Benefits

Key benefits

Diamond status, automatic

Hilton Honors Diamond as long as you hold the card. Breakfast or daily credit, lounge access where offered, room upgrades.

Annual free night

One Free Night Reward each year, a second after $30,000 spend and a third after $60,000.

$400 resort credit

$200 semi-annually at participating Hilton resorts, plus $200 a year in airline flight credits and a CLEAR Plus credit.

Fit

Who this is best for

  • Hilton regulars who can use the resort credit
  • Travelers who value top-tier status without 60 nights a year
  • Award-night maximizers
FAQ

Frequently asked questions

What is the Hilton Aspire welcome bonus?
Earn 175,000 Hilton Honors bonus points after spending $6,000 on eligible purchases in the first 6 months. Offer ends July 29, 2026.
Does the Hilton Aspire charge an annual fee?
Yes. The annual fee is $550 every year.
Does the Hilton Aspire have a foreign transaction fee?
No. The Hilton Aspire charges no foreign transaction fee, so it works well for international purchases.
What APR does the Hilton Aspire charge?
The purchase APR is 20.99% to 29.99% variable.
Who is the Hilton Aspire best for?
Hilton regulars who can use the resort credit. Travelers who value top-tier status without 60 nights a year. Award-night maximizers.
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Hilton Honors American Express Aspire Card

Spend $6,000 in 6 months
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Rates accurate as of June 10, 2026. Issuer terms.