Hilton Honors Amex Aspire card evaluation: Full particulars

Hilton Honors American Specific Aspire Card overview

The Hilton Honors American Specific Aspire Card is a premium lodge bank card loaded with top-tier advantages. Key perks embrace complimentary Hilton Diamond elite standing, bonus factors on Hilton stays and extremely priceless assertion credit. This card is a wonderful possibility for Hilton loyalists. Card Ranking*: ⭐⭐⭐⭐½

*Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

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It is no shock that the Hilton Aspire was named the Greatest Resort Cobranded Credit score Card on the 2024 TPG Awards.

Even with the cardboard’s important $550 annual charge (see charges and costs), the advantages simply outweigh the associated fee, together with an annual free evening reward legitimate at practically any Hilton property. Your possibilities for approval are finest you probably have a credit score rating within the good to wonderful vary.

This is every part you could know in regards to the Hilton Aspire.

Hilton Aspire execs and cons

Hilton Aspire welcome supply

New candidates for the Hilton Amex Aspire Card can earn 175,000 factors after spending $6,000 on purchases throughout the first six months of card membership. Supply ends Jan. 14.

In accordance with TPG’s October 2025 valuations, this supply is price $875.

This welcome supply is simply 5,000 factors wanting the best now we have seen on this card, making now a good time to use when you’ve been eyeing it.

Keep in mind that Amex solely permits you to earn one bonus per card in a lifetime, so it is vital to use for a card when it has its best-ever welcome supply (or near it).

Per Amex:

You will not be eligible to obtain a welcome supply you probably have or have had this Card or earlier variations of this Card. You additionally will not be eligible to obtain a welcome supply based mostly on numerous elements, akin to your historical past with bank card steadiness transfers, your historical past as an American Specific Card Member, the variety of bank cards that you’ve opened and closed and different elements. If you’re not eligible for a welcome supply, we’ll notify you previous to processing your software so you have got the choice to withdraw your software.

Earlier than submitting an software, Amex will provide you with a warning when you’re not eligible for a welcome bonus.

Associated: The last word information to bank card software restrictions

Hilton Aspire advantages

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

• Hilton Honors™ Diamond standing: So long as your card account is open, you may obtain Hilton Diamond elite standing for the first cardmember. Diamond standing can add important worth because of the fifth-night-free profit you may get while you ebook a stick with factors, bonus factors, lounge entry at choose properties, complimentary breakfast and space-available room upgrades you may get with it.
• As much as three reward nights: You will obtain one evening at nearly any Hilton property worldwide after opening your account and in your cardmember anniversary annually. You possibly can earn a second evening after spending $30,000 on the cardboard in a calendar yr and a 3rd evening after spending $60,000 on the cardboard in a calendar yr.
• As much as $400 in Hilton resort assertion credit: Every calendar yr, you may obtain as much as $400 (disbursed as as much as $200 biannually) in assertion credit for eligible purchases at eligible Hilton resorts. That $400 can be utilized on eating, actions, spa remedies, room charges and taxes.

• As much as $200 in annual airline charge credit every calendar yr: You will obtain as much as $50 in assertion credit every calendar quarter for airfare purchases on flights bought straight from the airline or by means of AmexTravel.com.
• As much as $100 Hilton on-property credit score: Once you ebook at the least a two-night paid keep at taking part Waldorf Astoria or Conrad properties by means of hiltonhonorsaspirecard.com (or over the cellphone at 855-292-5757), you may obtain a credit score of as much as $100 for incidentals throughout your keep.
• Clear Plus® membership: You will obtain as much as $209 in assertion credit per yr while you join a Clear Plus membership and pay along with your Hilton Aspire card (topic to auto-renewal).**
• Rental automotive elite standing: You will obtain complimentary Nationwide Automobile Rental Emerald Membership Government standing within the Emerald Membership program (enrollment required, phrases apply).**
• Cellphone safety: Cardmembers might be reimbursed for repairing or changing a broken or stolen system for a most of $800 per declare when the wi-fi invoice for the particular cellphone line is paid utilizing the Hilton Aspire card. There’s a restrict of two authorized claims inside a 12-month interval, and every declare has a $50 deductible.†

The cardboard additionally carries some journey protections, together with journey delay insurance coverage† (when your flight is delayed by greater than six hours) and journey cancellation and interruption insurance coverage.†

Lastly, the Hilton Aspire has no international transaction charges.

**Enrollment required.

†Eligibility and profit stage varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.

Associated: Present gives on the Hilton Amex playing cards

Incomes factors on the Hilton Aspire

This card makes it simple to build up a excessive factors steadiness in your Hilton Honors account, which you may want if you wish to keep at luxurious properties utilizing Hilton free evening awards whereas saving on money costs.

With the Hilton Amex Aspire Card you may earn:

• 14 factors per greenback spent at resorts within the Hilton portfolio (7% return based mostly on our October 2025 valuations)
• 7 factors per greenback spent on flights booked straight with airways or by means of AmexTravel.com, automotive leases booked straight from choose automotive rental corporations and on eating at U.S. eating places (3.5% return)
• 3 factors per greenback spent on all different spending with the cardboard (1.5% return)

These aren’t groundbreaking charges, however when you’re inquisitive about incomes factors for Hilton stays, this is a wonderful alternative.

Associated: How to decide on a lodge bank card

Redeeming factors on the Hilton Aspire

Hilton offers you a lot choices when it comes time to make use of your factors. We recommend utilizing them for normal award nights to get the most effective worth, however you can too redeem them for merchandise, reward playing cards, premium room redemptions and airline transfers (usually at a roughly 10:1 ratio).

Though you possibly can’t be solely certain what number of factors an award evening will value, because of Hilton’s dynamic award charts, you should use the Factors Explorer to get a tough concept of what number of factors your required property will value.

You can even use your factors to subsidize paid stays with the Factors & Cash possibility, which may get you as much as 1 cent per level off your complete room invoice when selecting costly Hilton properties.

TPG director of journey content material Eric Rosen has beforehand used the fifth-night-free profit to maximise the worth of his factors for a keep on the reworked Waldorf Astoria Los Cabos Pedregal. Customary award nights have been accessible for 120,000 factors every on the time of his keep.

Using his fifth-night-free profit, he paid 480,000 factors for his five-night keep there and saved $600 price of Hilton factors, in line with our October 2025 valuations.

Associated: Methods to redeem factors with the Hilton Honors program

Transferring factors on the Hilton Aspire

Hilton has greater than 25 airline companions to which you’ll be able to switch your Hilton Honors factors, akin to Air Canada Aeroplan, British Airways Membership, Cathay Pacific Asia Miles and Delta SkyMiles.

Nonetheless, that is typically not an excellent redemption as most companions have a particularly lackluster 10:1 ratio.

The one state of affairs the place this might probably be an excellent redemption is that if you could high off your airline loyalty steadiness to buy an award ticket or want factors or miles with an airline program that does not have any bank card switch companions like China Jap Jap Miles and Saudia Alfursan.

Associated: Do you have to switch lodge factors to airline companions?

Which playing cards compete with the Hilton Aspire?

If you need a card that carries a decrease annual charge or earns a distinct kind of rewards, one in all these choices may be a greater match:

For added choices, try our checklist of the finest lodge playing cards.

Associated: Hilton Surpass vs. Hilton Aspire: Would you like Gold or Diamond standing?

Backside line

The Hilton Aspire supplies unbelievable worth, which has made it a favourite amongst a number of TPG staffers, and is a superb premium product when you do not have already got a top-tier lodge card.

Whereas its $550 annual charge may appear steep, it comes with a priceless welcome supply, an annual free evening certificates, automated elite standing and a number of assertion credit. If you should use all or most of those advantages, you may simply justify the Hilton Aspire’s annual charge.

Nonetheless, when you do not stay at Hilton properties typically sufficient to get a lot worth from these advantages, you may be higher off with a normal journey rewards card.

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Apply right here: Hilton Amex Aspire Card

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For charges and costs of the Amex Platinum, click on right here.
For charges and costs of the Hilton Aspire Card, click on right here
For charges and costs of the Hilton Surpass Card, click on right here.