Hilton Honors Amex Aspire card evaluate: Full particulars

Hilton Honors American Categorical Aspire Card overview

The Hilton Honors American Categorical Aspire Card is a premium resort bank card loaded with top-tier advantages. Key perks embody complimentary Hilton Diamond elite standing, bonus factors on Hilton stays and helpful 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.

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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 price, the advantages simply outweigh the fee, together with an annual free evening reward legitimate at almost any Hilton property. Your possibilities for approval are finest when you have a credit score rating of 700 or greater.

This is the whole lot you’ll want to 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 bonus factors after spending $6,000 on purchases of their first six months of card membership. Provide ends April 29.

These 175,000 factors are fairly helpful — price $1,050, based on TPG’s February 2025 valuations.

That is simply 5,000 factors in need of the most effective provide we have seen, and it 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 thing to know in regards to the loyalty program

Hilton Aspire advantages

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

• Hilton Honors Diamond standing: So long as your card account is open, you will obtain Hilton Diamond elite standing for the first cardmember. Diamond standing can add vital worth because of the fifth-night-free profit once you guide a stick with factors, bonus factors, lounge entry at choose properties, complimentary breakfast and space-available room upgrades you will get with it.
• As much as three reward nights: You will obtain one evening at virtually any Hilton property worldwide after opening your account and in your cardmember anniversary every year. You possibly can 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: Throughout every calendar 12 months, you will 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 price credit every calendar 12 months: You will obtain as much as $50 in assertion credit every calendar quarter for airfare purchases on flights bought instantly from the airline or by AmexTravel.com.
• As much as $100 Hilton on-property credit score: If you guide at the least a two-night paid keep at taking part Waldorf Astoria or Conrad properties by hiltonhonorsaspirecard.com (or over the cellphone at 855-292-5757), you will obtain a credit score of as much as $100 for incidentals throughout your keep.
• Clear Plus membership: You will obtain as much as $199 in assertion credit per 12 months once you join a Clear Plus membership and pay together with your Hilton Aspire card.
• Rental automotive elite standing: You will obtain complimentary Nationwide Automobile Rental Emerald Membership Government standing after enrollment within the Emerald Membership program (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 particular 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.

Enrollment is required for choose advantages; phrases apply.

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.

*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.

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 will 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 inns within the Hilton portfolio. In keeping with TPG’s February 2025 valuation of Hilton factors at 0.6 cents per level, that is equal to an 8.4% return on spending.

You will additionally earn 7 factors per greenback spent (a 4.2% return) on flights booked instantly with airways or by AmexTravel.com, automotive leases booked instantly from choose automotive rental corporations and on eating at U.S. eating places.

Lastly, you will earn 3 factors per greenback spent (a 1.8% return) on all different spending with the cardboard.

Associated: Finest Hilton American Categorical 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 recommend utilizing them for traditional 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 (at a roughly 10:1 ratio).

Though you’ll be able to’t be totally positive what number of factors an award evening will value because of Hilton’s variable award charts, you need to use Hilton’s Factors Explorer to get a tough concept of what number of factors your required property will value.

It’s also possible to 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 utilized the fifth-night-free profit to maximise the worth of his factors for a keep on the Waldorf Astoria Los Cabos Pedregal. Commonplace 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 $720 price of Hilton factors, based on TPG’s February 2025 valuations.

Associated: Methods to redeem factors with the Hilton Honors program

Which playing cards compete with the Hilton Aspire?

If you’d like a card that carries a decrease annual price or earns a distinct sort of rewards, one among 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 Honors American Categorical Aspire Card gives unimaginable worth to even a semi-frequent Hilton buyer. This can be a nice premium product for those who do not have already got a top-tier resort card.

Whereas its $550 annual price might sound steep, it comes with a helpful welcome provide, annual free evening certificates, computerized elite standing and a number of assertion credit (enrollment is required for choose advantages; phrases apply). In the event you can make the most of all or most of those advantages, you will simply justify the Hilton Aspire’s annual price.

Nonetheless, for those who 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.

Associated: How to decide on a resort bank card

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