Hilton Honors American Express Surpass Card
American Express
4.2 / 5
- Welcome
- 130,000 points
- Annual fee
- $150
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American Express
Hilton Aspire
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.
At a glance
- Welcome bonus
- 200,000 points
- Spend $6,000 in 6 months
- Annual fee
- $550
- Year-one and ongoing
- Purchase APR
- 19.49% to 28.49%
- No intro APR
- FX fee
- None
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
| Category | Rate | Notes |
|---|---|---|
| Hilton stays | 14x points | Hilton portfolio hotels and resorts. |
| Flights direct | 7x points | Booked directly with airlines or through Amex Travel. |
| Car rentals direct | 7x points | Booked directly with select companies. |
| Restaurants | 7x points | US restaurants. |
| All other purchases | 3x 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 $219 CLEAR Plus credit.
National Car Rental Emerald Club Executive status
Complimentary elite car rental tier, no spend required.
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 200,000 Hilton Honors points after spending $6,000 in the first 6 months. This is the largest public offer this card has had.
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 19.49% to 28.49% 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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Apply
Hilton Honors American Express Aspire Card
Spend $6,000 in 6 months
Rates accurate as of October 6, 2026. Issuer terms.