Hilton Honors Aspire
American Express$550 a yearNo foreign transaction feeIssuer's page
A good time to apply if the card fits: the offer is at the top of its own record.
Already have it? Keep it.
Welcome bonus
200,000points
after $6,000 in purchases in the first 6 months
Best offer on record since 2023.
Once in a Lifetime Rule, 1 per 5 Days and 3 more. Am I eligible?
A typical spender, at Miles' point values; a gated item counts only if its condition is met.
| First-year value | Amount |
|---|---|
| Welcome bonus200,000 points at 0.35¢ | $700 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$32 |
| Credits you'll likely useof $600 face value | +$420 |
| Free nightsHilton Honors free night | +$298 |
| Hilton Honors free nightEarned after $30,000 in card spend in a calendar year | +$104 |
| Hilton Honors free nightEarned after $60,000 in card spend in a calendar year | $0 |
| Annual fee | −$550 |
| Meeting the $6,000 minimumearns 1.05% here vs 2% on Double Cash | −$57 |
| First year | $947 |
| Each year after | +$863 |
Not counted in the first year: status and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 7X | US Dining | 2.4% |
| 7X | Select car rental companies | 2.4% |
| 7X | Flights booked directly with airlines or through Amex Travel | 2.4% |
| 14X | Hilton purchases | 4.9% |
| 3X | Everything else | 1% |
Noteworthy perks
- Hilton Honors free night
- Hilton Resorts$400 a year
- Hilton Honors Diamond
- Airline$200 a year
Personal card · Earns Hilton Honors · Authorized user fee $0
Benefits
Credits & Perks (4)
- CLEAR Plus: $219 (Annual Calendar Year)
Enrollment required. Credit covers CLEAR Plus annual membership fee.
- Airline: $50 (Quarterly Calendar Year)
Statement credits for airfare purchases made directly with airlines or through AmexTravel.com
- Hilton Resorts: $200 (Semi Annual Calendar Year)
Credits for room rates, excursions, meals, spa treatments, and room upgrades charged to your room
- Waldorf Astoria and Conrad Property: $100 (Annual Calendar Year)
Credit for qualifying charges when booking a 2-night minimum stay only through https://www.hiltonhonorsaspirecard.com
Elite status (1)
- Hilton Honors: Diamond
Protections (9)
- Trip Cancellation/Interruption, up to $10,000, Coverage for trip cancellation and interruption. Pay for round trip travel in full with your card to be eligible for this benefit. This includes award ticket fees or points.
- Trip Delay, up to $500, Coverage up to $500 per trip for delays over 6 hours. Maximum 2 claims per 12-month period. Pay for round trip travel in full with your card to be eligible.
- Baggage Insurance, up to $3,000, Coverage for lost, damaged, or stolen baggage. Up to $2,000 for checked baggage and up to $3,000 combined for checked and carry-on per person, in excess of carrier coverage. Pay for the full cost of transportation with your Amex card.
- Emergency Evacuation, Emergency medical evacuation coverage with no limit. There is no requirement to pay for any part of your trip with your Amex card to use this benefit.
- Purchase Protection, up to $10,000, Coverage for theft/damage up to $10,000 per occurrence and $50,000 per calendar year for 90 days from purchase date.
- Extended Warranty, Extends warranty by up to 1 year
- Return Protection, up to $300, Refund up to $300 per item, $1,000 per calendar year, for items the merchant won't take back within 90 days of purchase.
- Car Rental Insurance (secondary), up to $75,000, Secondary coverage up to $75,000 for rental car damage/theft (primary coverage available for additional fee). Pay for the full cost on your card to be eligible for this benefit. Coverage is not available in Australia, Italy, New Zealand.
- Cell Phone Protection, up to $800, Up to $800 per claim for repair or replacement of damaged or stolen cell phones, with $50 deductible. Maximum 2 claims per 12-month period. Must pay monthly wireless bill with card. Excludes cosmetic damage.
Other Perks
- Annual Free Night Reward upon account opening (first reward awarded 8-12 weeks after approval) and each cardmember anniversary
- Second free night after $30K calendar year spend, third free night after $60K spend
The Hilton Honors Personal family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Hilton AspireOct 8, 2026
- changed from 150K after $6K spend on eligible purchases in the first 6 months of card membership. Free night certificate every year to Limited Time Offer: 200K after $6K spend on eligible purchases in the first 6 months of card membership. Free night certificate every yearSep 10, 2026
- changed from null to creditSep 2, 2026
- changed from null to 6000Aug 13, 2026
- changed from null to 180Aug 13, 2026
- changed from 175K after $6K spend on eligible purchases in the first 6 months of card membership. Free night certificate every year to 150K after $6K spend on eligible purchases in the first 6 months of card membership. Free night certificate every yearJul 30, 2026