Hilton Honors American Specific Aspire Card overview
The Hilton Honors American Specific Aspire Card is a premium resort bank card loaded with top-tier advantages. Key perks embrace complimentary Hilton Diamond elite standing, bonus factors on Hilton stays and extremely worthwhile assertion credit. This card is a wonderful possibility for Hilton loyalists. Card Score*: ⭐⭐⭐⭐½
*Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
It is no shock that the Hilton Aspire was named the Finest Resort Cobranded Credit score Card on the 2024 TPG Awards.
Even with the cardboard’s vital $550 annual charge (see charges and costs), the advantages simply outweigh the price, together with an annual free evening reward legitimate at almost any Hilton property. Your probabilities for approval are finest when you have a credit score rating within the good to wonderful vary.
This is the whole lot it’s good to know in regards to the Hilton Aspire.
Hilton Aspire professionals and cons
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Hilton Aspire welcome provide
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.
Based on TPG’s October 2025 valuations, this provide is price $875.
This welcome provide is simply 5,000 factors in need of the very best we now have seen on this card, making now a good time to use for those who’ve been eyeing it.
Do not forget 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).
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Per Amex:
You is probably not eligible to obtain a welcome provide when you have or have had this Card or earlier variations of this Card. You additionally is probably not eligible to obtain a welcome provide primarily based on varied elements, similar 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 got opened and closed and different elements. If you’re not eligible for a welcome provide, we are going to notify you previous to processing your utility so you will have the choice to withdraw your utility.
Earlier than submitting an utility, Amex will warn you for those who’re not eligible for a welcome bonus.
Associated: The last word information to bank card utility restrictions
Hilton Aspire advantages
There are lots 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 vital worth due to the fifth-night-free profit you may get 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 will obtain one evening at nearly any Hilton property worldwide after opening your account and in your cardmember anniversary annually. You may earn a second evening after spending $30,000 on the cardboard in a calendar 12 months and a 3rd evening after spending $60,000 on the cardboard in a calendar 12 months.
- As much as $400 in Hilton resort assertion credit: Every calendar 12 months, 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 12 months: 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: Whenever 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 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 12 months whenever you join a Clear Plus membership and pay together with your Hilton Aspire card (topic to auto-renewal).**
- Rental automobile elite standing: You will obtain complimentary Nationwide Automotive Rental Emerald Membership Govt standing within the Emerald Membership program (enrollment required, phrases apply).**
- Cellphone safety: Cardmembers could 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 precise 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 overseas transaction charges.
**Enrollment required.
†Eligibility and profit degree 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 presents 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 motels within the Hilton portfolio (7% return primarily based on our October 2025 valuations)
- 7 factors per greenback spent on flights booked straight with airways or by means of AmexTravel.com, automobile leases booked straight from choose automobile rental firms 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 for those who’re fascinated about incomes factors for Hilton stays, this is a wonderful alternative.
Associated: How to decide on a resort 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 perfect worth, however you too can redeem them for merchandise, reward playing cards, premium room redemptions and airline transfers (usually at a roughly 10:1 ratio).
Though you’ll be able to’t be fully certain what number of factors an award evening will value, due to Hilton’s dynamic award charts, you should utilize the Factors Explorer to get a tough thought of what number of factors your required property will value.
You too can use your factors to subsidize paid stays with the Factors & Cash possibility, which might 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 out there 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 accordance 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 switch your Hilton Honors factors, similar to Air Canada Aeroplan, British Airways Membership, Cathay Pacific Asia Miles and Delta SkyMiles.
Nevertheless, that is usually not an excellent redemption as most companions have an especially lackluster 10:1 ratio.
The one state of affairs the place this might probably be an excellent redemption is that if it’s good to prime 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 resort factors to airline companions?
Which playing cards compete with the Hilton Aspire?
In order for you a card that carries a decrease annual charge or earns a special sort of rewards, one in all these choices may be a greater match:
For extra choices, try our checklist of the finest resort playing cards.
Associated: Hilton Surpass vs. Hilton Aspire: Would you like Gold or Diamond standing?
Backside line
The Hilton Aspire offers unimaginable worth, which has made it a favourite amongst a number of TPG staffers, and is a good premium product for those who do not have already got a top-tier resort card.
Whereas its $550 annual charge may appear steep, it comes with a worthwhile welcome provide, an annual free evening certificates, automated elite standing and a number of assertion credit. If you should utilize all or most of those advantages, you may simply justify the Hilton Aspire’s annual charge.
Nevertheless, for those who don’t remain at Hilton properties typically sufficient to get a lot worth from these advantages, you may be higher off with a normal journey rewards card.
Apply right here: Hilton Amex Aspire Card
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.
