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Hilton Honors American Express Aspire Card

Credit needed
Good
APR
Based on creditworthiness, 15.74% to 24.744%
Annual Fee
$450

Card Summary

Hilton Honors American Express Aspire Card allows you to earn points towards stays in participating Hilton portfolio resorts and hotels.

You will receive exceptional benefits such as a 250-dollar annual credit for air travel, a $255 Hilton resort statement credit and Priority Pass Select VIP lounge membership.

There are also 100 Hilton credit points on your property.

The annual fee is $450 and the percentage rate for an annual year is 15.74% to 24.74% depending on creditworthiness.

Card Summary - Cons

Rates and fees

Issuer Name
American Express
Penalty APR
29.24%
Credit Needed
Good
Balance Transfer Fee
N/A
Annual Fee
$450
Cash Advance Fee
You can choose to pay $10 or 5% on each cash advance amount, depending on which is higher.
APR
Based on creditworthiness, 15.74% to 24.744%
Foreign Transaction Fee
None
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The Best Features

Reward program: You earn 14 points for every dollar you spend on eligible Hilton Honors American Express Aspire Card purchases at Hilton Portfolio hotels and resorts.

7 points are awarded when eligible purchases are made using your card to book flights directly with airlines, amextravel.com or car rental companies in the United States.

All other purchases receive three points per $1. You will receive a complimentary Diamond status as well as a $25 Hilton resort statement credit.

When you have your Hilton Honors American Express Card, you automatically become a Hilton Honors Diamond member. This status offers many perks, including free upgrades and a 100% bonus for all base points earned.

Each year, you can also get a $250 statement credit towards purchases at Hilton resorts. There are no foreign transaction or over limit fees with the Hilton Honors American Express Aspire Card.

You don't have to pay any fee for purchases you make abroad, and you won't be charged any foreign transaction fees. After you have spent $4,000 on eligible purchases in the first three months of your Card Membership, you will receive 150,000 Hilton Honors bonus points.

Rewards

Sign up bonus

APR Requirements

Drawbacks

Annual Fee: The card charges $450 annually.
There is no 0% APR promotional rate for purchases with the Hilton Honors American Express Aspire Card.
Based on creditworthiness, the APR is between 15.74% and 24.74% for purchases.

Highlights

After spending $4,000 on your Card purchases within the first three months, you will earn 150,000 Hilton Honors bonus points. For every dollar you spend on your Hilton Honors Card at a Hilton hotel or resort, you will earn 14X Hilton Honors bonus points.

For every dollar spent on eligible flights or amextravel.com purchases, you'll receive 7X Hilton Honors bonus points. For every dollar spent on your American Express Card, you'll receive 7X Hilton Honors bonus points.

For all eligible purchases made on your card, you'll receive 3X Hilton Honors bonus points Hilton Honors Diamond Status is included with the Hilton Honors Card. You will receive a weekend reward for using your Hilton Honors American Express Aspire Card, and each year thereafter.

Hilton Honors American Express Aspire Card Rewards: Hilton Honors American Express Aspire cardholders get benefits:

Plan for baggage Insurance for car rental damage and loss. Status as a complimentary diamond. Concierge service. Access to entertainment. Fraud protection.

The Global Assist Hotline. You will receive a weekend reward for your card, and you'll get one every year. Priority Pass Select VIP Airport Lounge Membership.

Protection for returns Hilton On-Property Credit up to $100. Credit up to $250 on your airline fees Hilton Resort Statement Credit up to $250

Benefits

Comparative Analysis with Other Cards

Hilton Honors American Express Aspire Card vs. American Express Platinum Card

Annual fee: A $450 fee is charged by the Hilton Honors American Express Aspire Card. American Express Platinum Card charges $695 annually.

Reward Program: You can earn 14 points per $1 when you use your Hilton Honors American Express Aspire Card Rewards Card to purchase eligible items at Hilton portfolio hotels and resorts. There are seven points per $2 when your eligible purchases include flights, rentals, or car rental bookings directly with companies. All other purchases get three points per $1.

New: The American Express Platinum Card cardholders get 10x points for eligible purchases at American Express restaurants around the world and when they Shop Small in America, up to $25,000 combined, within their first six months. Five points per dollar are available on all flights that you book directly with American Express Travel or airlines.

Bonus points for these categories will only be granted to those who make $500,000 combined in purchases by the card each year. Five points per dollar are earned by eligible hotels when they book with American Express Travel. Statement credits are available as a way to earn rewards.

Welcome bonus: New cardholders receive a 150,000 point introductory bonus when they spend $4,000 on eligible purchases during their first three months. After you have spent $6,000 in eligible purchases, the Platinum Card of American Express will give you 100,000 Membership Rewards(r), Points.

Benefits: Hilton Honors American Express Card Holders receive a $100 Hilton On-Property Credit, unto a $250 Hilton Resort Statement Credit, baggage insurance plan and car rental loss/damage insurance. Priority Pass Select VIP lounge member and return protection are some of the benefits.

Platinum Card benefits from American Express include concierge service, rental car collision damage waiver and global airport lounge access.

Hilton Honors American Express Aspire Card vs. Chase Sapphire Reserve

Annual fee: A $450 fee is charged by the Hilton Honors American Express Aspire Card. Chase Sapphire Reserve charges a $550 annually fee.

Reward: You can earn 14 points per $1 when you use your Hilton Honors American Express Aspire Card Rewards Card to purchase eligible items at Hilton portfolio hotels and resorts. There are seven points per $2 when you book flights directly with amextravel.com or car rentals directly from rental car companies. All other purchases get three points per $1.

The Chase Sapphire Reserve rewards program earns you 10 points per $1 on Lyft (valid until March 2022), 3 points per $1 on travel, and 3 points per $2 on dining out at restaurants.

Welcome bonus: If you spend $4,000 on eligible purchases during your first three months of Card Membership, the Hilton Honors American Express Aspire Card will give you a 150,000 point introductory bonus.

Chase Sapphire Reserve cardholders will earn 50,000 bonus point when they spend $4,000 within the first three months of account opening.

Benefits: The Hilton Honors American Express Aspire card offers benefits like a $100 Hilton property credit, $250 Hilton airline fee credit and $250 Hilton resort statement credit. You also get a baggage insurance policy, rental car loss and damage insurance, complimentary diamond status, Priority Pass Select VIP airport lounge member, and return protection.

Chase Sapphire Reserve benefits include trip cancellation and interruption insurance, auto rental collision damage waivers, lost luggage reimbursements, trip delay reimbursements, emergency evacuation and transport services, as well as a $300 annual credit for travel and a Global Entry credit.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

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