Hilton Honors American Express Aspire card review: Full details

Hilton Honors American Express Aspire Card overview

The Hilton Honors American Express Aspire Card is a premium hotel credit card loaded with top-tier benefits. It comes with Hilton Diamond status for as long as you hold the card, and you’ll earn 14 points per dollar at participating Hilton hotels. With it, you’ll also get up to $200 in flight purchase credits and up to $400 in Hilton resort credits every year. Card Rating*: ⭐⭐⭐⭐½

*Card Rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

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Although Hilton Honors has sky-high award night prices, the credits and complimentary Diamond status make the Hilton Honors American Express Aspire Card a great pick if you stay at Hilton properties regularly.

Amex has recently refreshed the Hilton Aspire to provide Hilton property credits of up to $400 annually and $200 in statement credits for flight purchases, car rental elite status and cellphone protection while increasing the annual fee to $550 (see rates and fees).

Even with the card’s significant annual fee, the benefits easily outweigh the cost, including annual fee night awards valid at nearly any Hilton property. There aren’t too many hotel credit cards with all of these perks tied to a single card. Your chances for approval are best if you have a credit score of 670 or higher.

Here’s everything you need to know about the Hilton Aspire Card.

The information for the Hilton Aspire card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Hilton Aspire pros and cons

Pros	Cons
Complimentary Hilton Honors Diamond status Hilton Resort statement credits Up to three reward nights annually Annual airline fee credits Travel protections	High annual fee (see rates and fees) Hilton uses dynamic pricing for redemptions Hilton points are less valuable than other currencies

Hilton Aspire welcome offer

The Aspire card’s current welcome offer is 175,000 Hilton Honors bonus points after you spend $6,000 in purchases on the card within your first six months of card membership. Offer ends April 17.

Those 175,000 points are valuable — worth $1,050, according to the latest TPG valuations.

This isn’t quite the best offer we’ve seen, but it meets our criteria for when to apply for the card.

Related: The award travelers guide to Hilton Honors

Hilton Aspire benefits

There are a lot of perks and value packed into this cobranded card:

• Hilton Honors Diamond status: As long as your card account is open, you’ll receive Diamond Hilton elite status for the primary cardholder. Diamond status can add significant value thanks to the fifth-night-free benefit, bonus points, lounge access, free breakfast and room upgrades you’ll get with it.
• Up to three reward nights: Receive one night at almost any Hilton property worldwide after opening your account and on your cardmember anniversary each year. Earn a second night when you spend $30,000 on the card in a calendar year and a third night when you spend $60,000 on the card in a calendar year.
• Up to $400 in Hilton resort statement credits: During each calendar year, you’ll receive $400 (up to $200 semi-annually) in statement credits for eligible purchases at eligible Hilton resorts. That $400 can be used on dining, activities, spa treatments and even room rates and taxes.

• Up to $200 in annual airline fee credits: Receive up to $50 in statement credits each calendar quarter for airfare purchases on flights purchased directly from the airline or through AmexTravel.com.
• Up to $100 Hilton on-property credit: When you book at least a two-night paid stay at participating Waldorf Astoria or Conrad properties through HiltonHonors.com/aspirecard (or over the phone and quote booking code ZZAAP1), you’ll receive a credit of up to $100 for incidentals during your stay.
• Clear Plus membership: Receive up to $189 in statement credits per year when you sign up for a Clear Plus membership and pay with your Hilton Aspire card.
• Rental car elite status: Receive complimentary National Car Rental Emerald Club Executive status after enrollment in the Emerald Club program (terms apply).
• Cellphone protection: Card members can be reimbursed for repairing or replacing a damaged or stolen device for a maximum of $800 per claim when the wireless bill for the specific cellphone line is paid using the Hilton Aspire card. There is a limit of two approved claims within a 12-month period, and each claim has a $50 deductible.

Enrollment is required for select benefits.

The card also carries some travel protections, including trip delay reimbursement* (when your flight is delayed by more than six hours) and trip cancellation and interruption insurance.*

Finally, the Hilton Aspire has no foreign transaction fees (see rates and fees).

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

Earning points on the Hilton Aspire

The card makes it easy to get a high balance in your Hilton Honors account, which you’ll need if you’d like to enjoy luxury or peak-season properties with Hilton Honors award nights.

The Aspire card offers 14 points per dollar spent at hotels in the Hilton portfolio. At TPG’s valuation of 0.6 cents per point, that’s equivalent to an 8.4% return on spending. You’ll also earn 7 points per dollar (a 4.2% return) on flights booked directly with airlines or through AmexTravel.com, car rentals booked directly from select car rental companies and at U.S. restaurants.

Finally, you’ll earn 3 points per dollar (a 1.8% return) on all other spending with the card.

Related: Best credit cards for Hilton stays

Redeeming points on the Hilton Aspire

Hilton gives you many options when it comes time to use your points. We suggest using them for standard award nights to get the best value, but you can also redeem them for merchandise, gift cards, premium room redemptions and airline transfers (at a roughly 10:1 ratio).

Although you can’t be entirely sure how many points an award night will cost thanks to Hilton’s variable award charts, you can use Hilton’s Points Explorer to get a rough idea of how many points your desired property will cost. You can also use your points to subsidize paid stays with the Points & Money option, which could get you up to 1 cent per point off your total room bill when choosing expensive Hilton properties.

TPG Director of Travel Content Eric Rosen utilized the fifth-night-free benefit to maximize the value of his points in a recent stay at the Waldorf Astoria Los Cabos Pedregal. Standard award nights were available for 120,000 points each at the time of his stay. Utilizing his fifth-night-free benefit, he paid just 480,000 for his five-night stay there and saved $720 worth of Hilton points, according to our valuations.

Related: How to maximize Hilton redemptions

Which cards compete with the Hilton Aspire?

If you want a card that carries a lower annual fee or earns a different type of rewards, one of these options might be a better fit:

For additional options, please see our list of best hotel cards and best American Express cards.

Related: Hilton Surpass vs. Hilton Aspire

Bottom line

The Hilton Honors American Express Aspire Card provides incredible value to even a semi-frequent Hilton customer. This is a great premium product if you don’t have another similarly positioned card.

While its $550 annual fee might seem steep, it comes with a valuable welcome offer, annual free night certificates, automatic elite status, and multiple statement credits. You’ll easily justify the Hilton Aspire’s annual fee if you can utilize all or most of these benefits. However, if you don’t stay at Hilton properties often enough to get much value from these benefits, you’ll be better off going a different route.

The information for the Hilton Aspire card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

For rates and fees of the Hilton Aspire Card, click here.
For rates and fees of the Hilton Surpass Card, click here.