Hilton Honors American Express Aspire Card

American Express · American Express · personal · Hilton Honors

Seeded from model knowledge (mid-2026), not yet web-verified. Check issuer terms before relying on rates, credits, caps, or protections. Edit data.
Review the linked sources below for offer details and eligibility.

$550

annual fee

foreign txn fee

$481

credits/yr realistic ($919 face)

$900

sign-up bonus ≈ 150000 points after $6,000/6mo

Earning

Hilton (Hotels (booked direct)) Eligible purchases at participating hotels or resorts within the Hilton portfolio	14x	8.4%
Airfare (booked direct) Flights booked directly with airlines or through American Express Travel	7x	4.2%
Rental cars Car rentals purchased directly from select car rental companies	7x	4.2%
Dining & restaurants U.S. restaurants	7x	4.2%
Everything else	3x	1.8%

Right column: value per $ at travel valuation (0.6¢/pt).

Credits

$400 Hilton resort credit /year · hard to use
Up to $200 in statement credits semiannually (Jan-Jun and Jul-Dec) for eligible purchases made directly with participating Hilton resorts on the Aspire-specific resort list; no enrollment
$200 Flight credit /year · easy to use
Up to $50 in statement credits each quarter on eligible flight purchases booked directly with airlines or through Amex Travel; no enrollment
$219 CLEAR Plus credit /year · medium to use · enrollment required
Up to $219 per calendar year in statement credits when you pay for a CLEAR Plus membership with the card
$100 Waldorf Astoria / Conrad property credit /year · hard to use · enrollment required
$100 on-property credit at Waldorf Astoria and Conrad hotels on stays of 2+ nights booked with an eligible rate via HiltonHonorsAspireCard.com (points stays and member discounts do not qualify)

Benefits

No foreign transaction fees
Hilton Honors Diamond status
Annual Free Night Reward (+1 after $30,000, +1 after $60,000 spend in a calendar year) — Free Night Reward issued each card anniversary, usable at properties up to 250,000 points per night
National Car Rental Emerald Club Executive status — Enrollment required
Cell phone protection — Up to $800 per claim with a $50 deductible when the monthly wireless bill is paid with the card
Up to $219/yr CLEAR Plus credit

Protections

purchase protection	90 days, up to $10,000 per occurrence
extended warranty	+1 year
trip cancellation	Up to $10,000 per trip
trip delay	Up to $500 per trip after 6 hours
lost luggage	Up to $3,000
rental car	secondary
cell phone	Up to $800 per claim, $50 deductible

Notes

Priority Pass Select lounge membership was discontinued effective 2024-01-31 (Doctor of Credit 2023-10-19), when the fee rose to $550 and the resort/flight/CLEAR credits took their current form. Since Sept 2024 the resort credit only triggers at properties on the Aspire-specific resort list (~260 properties), not every hotel on Hilton's general resort page (Doctor of Credit 2024-09-23). Trip delay/cancellation, baggage, purchase protection and extended warranty amounts are not yet verified against a fetched page. Amex product page is a JS template and could not be read; web-verified 2026-09-08 against https://onemileatatime.com/guides/hilton-aspire-card/ (updated 2026-07-30) and https://upgradedpoints.com/credit-cards/reviews/hilton-honors-american-express-aspire-card/ (2026-08-21).

Verified 2026-09-08 · confidence medium · sources: 1, 2, 3, 4, 5