
Hilton Honors American Express Aspire Card
The premium Hilton Honors co-branded card from American Express, offering top-tier Hilton Honors points earning, complimentary Hilton Honors Diamond status, resort and airline statement credits, and Priority Pass lounge access.
Annual Fee
$550
Top Earning Rate
14x pts hilton hotels & resorts purchases
Foreign Tx Fee
None
Rating
N/A
Current Welcome Offer
150,000 points
$900 estimated value
Spend $4,000 in 90 days
Card Offers
public
150,000 points
$900 estimated value
Spend $4,000 in 90 days
Earning Rates
Purchases made directly at hotels and resorts in the Hilton portfolio
Car rentals booked directly with select car rental companies
Flights booked directly with airlines or through AmexTravel.com
Purchases at restaurants located in the United States
All other purchases that qualify for Hilton Honors points
Pros & Cons
Pros
- Complimentary Hilton Honors Diamond status, the program's top elite tier, is included simply for holding the card
- Up to $600 in annual statement credits across Hilton Resorts ($400) and flights ($200) can substantially offset the $550 annual fee
- 14 points per dollar at Hilton properties is among the highest earning rates available on any co-branded hotel card
- Annual Free Night Reward certificate adds meaningful value for cardholders who take at least one Hilton stay per year
- Priority Pass Select membership provides access to 1,300+ airport lounges worldwide
Cons
- The $550 annual fee is high and not waived the first year, requiring immediate value extraction
- The $400 Hilton Resort credit is split semi-annually and restricted to Resort properties, limiting flexibility
- Earning rates outside Hilton and travel categories drop sharply to 3 points per dollar, making the card less competitive for everyday spending
- Hilton Honors points generally have a lower per-point value than transferable points currencies, reducing redemption flexibility
- Car rental insurance is secondary, not primary, meaning personal auto insurance must be exhausted first
Key Takeaways
- Complimentary Diamond status is the card's most powerful perk, unlocking Hilton's highest-tier elite benefits automatically
- The combined $600 in annual statement credits (resort + flight) and one Free Night Reward can make the $550 fee net-positive for active Hilton travelers
- The $400 resort credit is divided into two $200 semi-annual windows and does not roll over, so timing purchases matters
- Earning power is strongest within the Hilton ecosystem and on flights, car rentals, and U.S. dining; everyday spending earns only 3x
- Priority Pass Select lounge access and no foreign transaction fees round out a strong international travel package
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $550 |
| Foreign Transaction Fee | 0% |
APR Information
- Purchase APR
- 20.99% - 29.99%
- Cash Advance APR
- 29.99%
- Penalty APR
- 29.99%May apply if you pay late
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
10 benefits (7 strong or better)
Travel Insurance
Travel Access & Perks
Travel Credits
Elite Status
Statement Credits
Coverage Tier Legend
Frequently Asked Questions
What is the annual fee for the Hilton Honors American Express Aspire Card?
What welcome offer is currently available on the Aspire Card?
What Hilton elite status does the Aspire Card provide?
How does the $400 Hilton Resort statement credit work?
How does the $200 flight credit work?
What is the Hilton On-Property Credit benefit?
Does the Aspire Card charge foreign transaction fees?
What airport lounge access does the card offer?
What credit score is needed to apply for the Aspire Card?
What is the Free Night Reward benefit and how does it work?
About This Card
The Aspire Card is best for frequent Hilton loyalists who regularly stay at Hilton Resorts and Waldorf Astoria or Conrad properties and can realistically use the annual statement credits and Free Night Reward to justify the $550 fee.
The Hilton Honors American Express Aspire Card is the top-tier co-branded Hilton credit card issued by American Express. Cardmembers earn elevated Hilton Honors points on Hilton purchases, flights booked directly with airlines or through American Express Travel, car rentals, U.S. restaurants, and all other eligible purchases. The card includes complimentary Hilton Honors Diamond elite status, up to $400 in Hilton Resort Statement Credits annually, up to $200 in Flight Credits annually, up to $100 in On-Property Credits per stay at Waldorf Astoria and Conrad properties, a Free Night Reward each year, Priority Pass Select lounge membership, and no foreign transaction fees. The $550 annual fee is not waived the first year.
The Aspire Card stands out by bundling automatic top-tier Diamond status, up to $600 in targeted annual credits, and a Free Night Reward into a single co-branded card, a combination that is unmatched among Hilton-branded products.
Ready to Decide?
Apply for the Hilton Honors American Express Aspire Card
150,000 points, worth about $900 estimated value, with a $550 annual fee.
Spend $4,000 in 90 days
Similar Cards You Might Like
Sources & Methodology
Sources & Methodology
Card details are collected by automated crawlers from official issuer pages, then verified by editorial review.
Last updated:
Pending editorial review.
- 7 of 10 benefits rated high confidence
- 0 of 1 offer verified
Read our full methodology for how we collect, verify, and rate credit cards.
Found an error? Report it here.


