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Card Economics
- Annual Fee
- $550
- Ongoing Annual Value
- $959
- First-Year Value Estimate
- $813
- Net Value
- +$409
Card type: PersonalForeign transaction fee: NoneCurrency: Hilton HonorsAU fee: $0
Sign-up Bonus
150K after $6K spend on eligible purchases in the first 6 months of card membership. Free night certificate every year
Am I eligible?Earning Structure
14XHilton purchases4.9%
7XFlights booked directly with airlines or through Amex Travel2.4%
7XSelect car rental companies2.4%
7XUS Dining2.4%
3XAll other purchases1%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Benefits
Worth it for me?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
