Hilton Honors American Express Aspire
Issued by American Express
Rates verified July 2026
Welcome Bonus
Earn 175,000 Hilton Honors Bonus Points after you spend $6,000 on eligible purchases on the Hilton Honors American Express Aspire Card within your first 6 months of Card Membership.
Rewards Rate
3x points · up to 14x on Hilton Hotels & Resorts
Annual Fee
$550
Recommended Credit Score
excellent
You'll be taken to the issuer's secure application
Rewards Program
3x points · up to 14x on Hilton Hotels & Resorts
Welcome Offer
Earn 175,000 Hilton Honors Bonus Points after you spend $6,000 on eligible purchases on the Hilton Honors American Express Aspire Card within your first 6 months of Card Membership.
Annual Fee
$550
APR
Variable APR based on creditworthiness
Foreign Transaction Fee
None
Recommended For
Airfare, Car Rentals, Dining, Hilton Hotels & Resorts
Why We Recommend This Card
14.0% on Hilton Hotels & Resorts
7.0% on Airfare
7.0% on Car Rentals
Earn 175,000 Hilton Honors Bonus Points after you spend $6,000 on eligible purchases on the Hilton Honors American Express Aspire Card within your first 6 months of Card Membership.
$100 Property Credit
With your Hilton Honors American Express Aspire Card, book a 2 night minimum stay at hiltonhonorsaspirecard.com and get up to $100 in credits for qualifying charges at participating Waldorf Astoria® Hotels & Resorts and Conrad® Hotels & Resorts.
$189 CLEAR® Plus Credit
CLEAR® uses unique attributes, such as eyes or fingerprints, to digitally verify identity to help its members move faster through security at select airports nationwide. You can cover the cost of a CLEAR Plus Membership (Excluding any applicable taxes and fees and subject to auto-renewal) with up to $189 in statement credits per calendar year after you pay for CLEAR Plus with your Hilton Honors American Express Aspire Card.
$200 Flight Credit
Get up to $50 in statement credits each quarter, for a total of up to $200 back each year, on flight purchases made directly with an airline or through amextravel.com using your Hilton Honors American Express Aspire Card.
$400 Hilton Resort Credit
Get up to $200 in statement credits semi-annually for eligible purchases made directly with participating Hilton Resorts on your Hilton Honors Aspire Card. That's up to $400 back annually.
Baggage Insurance Plan
Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to a combined maximum of $3,000 for checked and carry-on Baggage, which includes up to $2,000 for checked Baggage and up to $1,000 for any High Risk Items such as jewelry and electronics, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.
Car Rental Loss and Damage Insurance
Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory.Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
Cell Phone Protection
Fixing a cracked screen can be expensive. With Cell Phone Protection, you can be reimbursed, the lesser of, your cost to repair or replace your damaged cell phone, including a cracked screen, for a maximum of $800 per claim with a limit of 2 approved claims per 12-month period when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim.
Complimentary Hilton Honors™ Diamond Status
Enjoy even more perks as a Hilton Honors Diamond member, like a 100% Bonus on Base Points earned on stays, free Premium Wi-Fi and space-available room upgrades at select properties, executive lounge access, and more.
Extended Warranty
Why is it that as soon as a Manufacturer's Warranty runs out, something always seems to happen? Use your Eligible Card for Covered Purchases and you can have warranty protection for longer. Extended Warranty matches the Original Manufacturer's Warranty for up to one additional year when you use your Eligible Card. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.
Free Night Reward
Earn an additional Free Night Reward from Hilton after making $30,000 in purchases and another after making $60,000 in purchases on your Card in a calendar year.
Global Dining Access by Resy
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Hilton Honors American Express Aspire Card to your Resy profile.
National Car Rental® Emerald Club Executive® Status
Hilton Honors Aspire Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada.
Premium Global Assist® Hotline
You have access to 24/7 medical, legal, financial, and other select emergency coordination and assistance services while traveling more than 100 miles from home. Premium Global Assist® Hotline can direct you to medical and legal professionals and help with prescription replacement coordination, emergency hotel check-ins and cash wires, missing luggage, and more. Emergency medical transportation assistance may be provided at no cost only if approved and coordinated by Premium Global Assist Hotline. Card Members may be responsible for the costs charged by third-party service providers.
Return Protection
If you try to return an eligible Item within 90 days from the date of purchase and the merchant won't take it back, American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.
Network benefits (American Express) — 4 standard protections
Concierge
Concierge is a complimentary service, for eligible Card Members. Our Lifestyle concierges provide expertise on what matters to you and can assist you with finding the best restaurants or buying tickets to upcoming events.
Purchase Protection
Sometimes your favorite new purchase gets stolen, accidentally damaged, or lost. But when you use your Eligible Card for Covered Purchases, your Membership can help protect them for up to 90 days from the Covered Purchase date.
Trip Cancellation and Interruption Insurance
Despite our best efforts, sometimes things happen that are out of our control. If you purchase a round trip entirely with your Eligible Card and a covered reason cancels or interrupts your trip, Trip Cancellation and Interruption Insurance can help reimburse your non-refundable expenses purchased with the same Eligible Card, up to $10,000 per trip and up to $20,000 per Eligible Card per 12 consecutive month period.
Trip Delay Insurance
Booking the trip is easy. Avoiding delays is next to impossible. If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 6 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased with your same Eligible Card, up to $500 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period.
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