Hilton Honors Amex Aspire card evaluate: 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 embody complimentary Hilton Diamond elite standing, bonus factors on Hilton stays and extremely useful assertion credit. This card is a wonderful choice for Hilton loyalists. Card Ranking*: ⭐⭐⭐⭐½

*Card ranking 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 Finest Lodge Cobranded Credit score Card on the 2024 TPG Awards.

Even with the cardboard’s important $550 annual payment, the advantages simply outweigh the fee, together with an annual free night time reward legitimate at almost any Hilton property. Your possibilities for approval are finest you probably have a credit score rating of 700 or greater.

This is all the pieces you should know in regards to the Hilton Amex Aspire.

The knowledge for the Hilton Amex Aspire card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

Hilton Aspire professionals and cons

Hilton Aspire welcome provide

With the Hilton Amex Aspire’s present welcome provide, new candidates can earn 175,000 factors after spending $6,000 on purchases inside the first six months of card membership. These factors are useful — value $875, based on TPG’s June 2025 valuations.

That is the usual welcome provide we have seen, but it surely nonetheless meets our standards for when to use for the cardboard.

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

Associated: Hilton Honors: Every little thing to know in regards to the loyalty program

Hilton Aspire advantages

There are quite a 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 due to the fifth-night-free profit whenever you e book 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 may obtain one night time at nearly any Hilton property worldwide after opening your account and in your cardmember anniversary annually. You may earn a second night time after spending $30,000 on the cardboard in a calendar yr and a 3rd night time after spending $60,000 on the cardboard in a calendar yr.
• As much as $400 in Hilton resort assertion credit: Throughout every calendar yr, you may obtain as much as $400 (as much as $200 semi-annually) 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 payment credit every calendar yr: You may obtain as much as $50 in assertion credit every calendar quarter for airfare purchases on flights bought instantly from the airline or by means of AmexTravel.com.
• As much as $100 Hilton on-property credit score: Once you e book at the very least a two-night paid keep at taking part Waldorf Astoria or Conrad properties by means of hiltonhonorsaspirecard.com (or over the telephone at 855-292-5757), you may obtain a credit score of as much as $100 for incidentals throughout your keep.
• Clear Plus membership: You may obtain as much as $199 in assertion credit per yr whenever you join a Clear Plus membership and pay along with your Hilton Aspire card.
• Rental automotive elite standing: You may obtain complimentary Nationwide Automobile Rental Emerald Membership Government standing within the Emerald Membership program (enrollment required, phrases apply).
• Cellphone safety*: Cardmembers will be reimbursed for repairing or changing a broken or stolen machine for a most of $800 per declare when the wi-fi invoice for the precise cellphone line is paid utilizing the Hilton Aspire card. There’s a restrict of two accepted 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.

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

Incomes factors on the Hilton Aspire

The cardboard makes it straightforward to build up a excessive factors steadiness in your Hilton Honors account, which you may want if you wish to keep at luxurious properties with Hilton Honors award nights.

The Hilton Amex Aspire card affords 14 factors per greenback spent at lodges within the Hilton portfolio. In keeping with TPG’s June 2025 valuation of Hilton factors at 0.5 cents per level, that is equal to a 7% return on spending.

You may additionally earn 7 factors per greenback spent (a 3.5% return) on flights booked instantly with airways or by means of AmexTravel.com, automotive leases booked instantly from choose automotive rental firms and on eating at U.S. eating places.

Cardholders additionally earn 3 factors per greenback (a 1.5% return) on all different spending with the cardboard.

These aren’t groundbreaking charges, however should you’re after incomes a bunch of factors on Hilton stays, this is a wonderful selection.

Associated: Finest Hilton American Specific bank cards

Redeeming factors on the Hilton Aspire

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

Though you possibly can’t be fully positive what number of factors an award night time will value, due to Hilton’s variable award charts, you should utilize Hilton’s 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 choice, which might get you as much as 1 cent per level off your whole room invoice when selecting costly Hilton properties.

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

Using his fifth-night-free profit, he paid simply 480,000 factors for his five-night keep there and saved $600 value of Hilton factors, based on TPG’s June 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, similar to Air Canada Aeroplan, British Airways Membership, Cathay Pacific Asia Miles and Delta SkyMiles.

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

The one state of affairs the place this might doubtlessly redemption is that if you should prime off an airline loyalty 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 Japanese Japanese Miles and Saudia Alfursan.

Associated: Must you switch lodge factors to airline companions?

Which playing cards compete with the Hilton Aspire?

If you need a card that carries a decrease annual payment or earns a distinct sort of rewards, considered one of these choices could be a greater match:

For extra choices, take a look at our listing of the finest lodge playing cards.

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

Backside line

The Hilton Honors American Specific Aspire Card supplies unimaginable worth to even a semi-frequent Hilton buyer. This can be a nice premium product should you do not have already got a top-tier lodge card.

Whereas its $550 annual payment may appear steep, it comes with a useful welcome provide, annual free night time certificates, automated elite standing and a number of assertion credit (enrollment is required for choose advantages; phrases apply). If you happen to can make the most of all or most of those advantages, you may simply justify the Hilton Aspire’s annual payment.

Nonetheless, should you don’t remain at Hilton properties usually sufficient to get a lot worth from these advantages, you could be higher off with a basic journey rewards card.

Associated: How to decide on a lodge bank card

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