Hilton Honors American Express Aspire Card
$550 annual fee · $919/yr in printed statement credits · 3x on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Flights | 7x | uncapped |
| Dining | 7x | uncapped |
| Everything else | 3x | uncapped |
| Hotels at Hilton only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
14x | uncapped |
See how it ranks: best flights cards · best dining cards.
Signup bonus: 150,000 points after $6,000 in 6 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero.
Statement credits — $919/yr on paper
| Credit | Value | How it pays |
|---|---|---|
| Hilton Resort Credit | $400/year | twice a year |
| Flight Credit | $200/year | quarterly |
| CLEAR+ Credit | $219/year | annual |
| Waldorf Astoria / Conrad Property Credit | $100/year | annual |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- Hilton Honors Diamond status (100% bonus points on stays, Premium Wi-Fi, space-available upgrades, executive lounge access at select properties)
- Complimentary National Car Rental Emerald Club Executive status (enrollment required)
- No Foreign Transaction Fees
- Car Rental Loss and Damage Insurance (secondary)
- Premium Global Assist Hotline
- Baggage Insurance Plan
- Trip Delay Insurance
- Trip Cancellation & Interruption Insurance
Does the fee earn out?
The printed statement credits ($919/yr) cover the $550 fee on paper — if you'd spend that way anyway. Credits you have to remember, enroll in, or change behavior for are worth less than face value. Our app tracks each one against your actual charges.
Is this $550 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Don't want the fee any more?
Hilton Honors American Express Aspire Card can normally be product-changed to 2 lower-fee cards in the American Express Hilton Honors family instead of being closed — which keeps the account, its age and its credit line.
What does Hilton Honors American Express Aspire Card downgrade to? →
Comparing cards in the same currency? See the best cards that earn Hilton Honors points →
More from American Express
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.americanexpress.com · www.thepointsguy.com. Spot an error? Tell us.