Hilton Honors American Express Aspire Card

The Hilton Honors American Express Aspire Card is a travel rewards card designed for those who are loyal to the Hilton brand. It offers a generous welcome bonus and you get complimentary Diamond status with your card. There’s also a $250 airline credit and a $100 property credit. If you enjoy staying at hotels and resorts within the Hilton brand (this includes Waldorf Astoria and Conrad hotels and resorts) this card might be worth it for you. We dive into the details and your approval odds in this Hilton Honors Aspire review.

All information about Hilton Honors American Express Aspire Card has been collected independently by allCards.com.

Welcome Offer

Earn 150,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.

Hilton Honors Aspire

Our Rating

4.4/5.0

Welcome Offer

Earn 150,000 Hilton Honors Bonus Points

Annual Fee

$550

0% on Purchases

N/a

Reward Rate

3x to 14x points

0% on Balance Transfers

N/a

Welcome Offer

Earn 150,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.

Features & Benefits

SecurityEMV Chip Enabled, Zero Liability
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay, Fitbit Pay
BenefitsReturn Guarantees, 24/7 customer service
Travel PerksAccess to Special Events and Concerts, Auto Rental Collision Damage Waiver, Concierge Services, Emergency Travel Assistance, Airport Lounge Access, Luggage Protection

Rewards

3x points
On all other eligible purchases
Earn 3x points for each dollar spent on other eligible purchases.
7x points
Rental Cars
Earn 7x points on car rentals booked directly with select car rental companies.
7x points
Travel
Earn 7x points on select travel including flights booked directly with airlines or AmexTravel.com.
7x points
Dining
Earn 7x points on dining at U.S. restaurants, including takeout and delivery.
14x points
Hotels
Earn 14x points for eligible purchases at hotels and resorts in the Hilton portfolio.

Interest Rates & Fees

Annual Fee$550
Foreign Transaction FeeNone
Regular APR20.99% to 29.99% (V) APR

Insurance

Premium Global Assist Hotline

Premium Global Assist® Hotline

You have access to 24/7 medical, legal, financial, and other select emergency coordination and assistance services while traveling more than 100 miles from home. Premium Global Assist® Hotline can direct you to medical and legal professionals and help with prescription replacement coordination, emergency hotel check-ins and cash wires, missing luggage, and more. Emergency medical transportation assistance may be provided at no cost only if approved and coordinated by Premium Global Assist Hotline. Card Members may be responsible for the costs charged by third-party service providers.
While Premium Global Assist® Hotline coordination and assistance services are offered at no additional charge from American Express, Card Members may be responsible for the costs charged by third-party service providers. Premium Global Assist Hotline may provide emergency medical transportation assistance at no cost if approved and coordinated by Premium Global Assist Hotline. For full Terms and Conditions call 1-800-345-AMEX or see americanexpress.com/GAterms.

Return Protection

If you try to return an eligible Item within 90 days from the date of purchase and the merchant won’t take it back, American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.

Lost Baggage Insurance

Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to a combined maximum of $3,000 for checked and carry-on Baggage, which includes up to $2,000 for checked Baggage and up to $1,000 for any High Risk Items such as jewelry and electronics, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.

What Credit Score Is Required to Get the Hilton Honors American Express Aspire Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 732

Average Approved Credit Score: 743

App StatusDateCredit ScoreBureauCredit Limit
Approved04/25/2021
744
TransUnion
$7,400
Approved04/25/2021
745
Experian
$7,400
Approved04/25/2021
749
Equifax
$7,400
Approved10/12/2020
732
Experian
$5,000

Pros & Cons

Pros
  • Welcome offer
  • No foreign transaction fee
  • Up to 14x points
Cons
  • High APR
  • Requires good credit

What Are the Best Alternatives?

Marriott Bonvoy Brilliant® American Express® Card
Marriott Bonvoy Brilliant® American Express® Card

Rating

4.4

Rewards Range

2x - 6x points

Annual Fee

$650

Chase Sapphire Reserve®
Chase Sapphire Reserve®

Rating

4.9

Rewards Range

1x - 10x

Annual Fee

$550

Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card

Rating

4.9

Rewards Range

2x - 10x

Annual Fee

$395

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