American Express
Hilton Honors American Express Aspire Card
Estimated value every year on typical spending
$254/ year
Every year, after the annual fee. Year one adds a $1,000 welcome bonus: $1,254
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Credits & perks, at estimated real use: $400 Hilton Resort Credit $400 → $140 · $200 Flight Credit $200 → $100
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
On typical spending the Hilton Honors American Express Aspire Card returns about $804 a year in rewards and usable credits, which covers its $550 fee with $254 to spare. The welcome bonus adds roughly $1,000 in the first year.
The fine print
- Intro APR
- Not listed
- Regular APR
- 19.74% to 28.74% variable
- Foreign fee
- None
- Top perk
- $400 Hilton Resort Credit
- Approval
- Excellent credit recommended
- Redeem for
- Airline/hotel bookings · Loyalty program transfers · Gift cards
Rewards
- 14x Points on purchases made directly with hotels and resorts within the Hilton Portfolio
- 7x Points on select travel and dining
- 3x Points on other eligible purchases
Sign-up bonus
200,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.
Best for
- Big spenders on dining
- Travelers who redeem points
- Perk-seekers who travel often
Not ideal for
- Light or occasional spenders
- People who want plain cash back
- Thin or new credit files
Trade-offs: Higher annual fee ↔ richer rewards & perks; Better travel value ↔ less straightforward than cash back; Top-tier earning ↔ harder to qualify for; Large welcome bonus ↔ higher spend requirement.
Worth knowing
- Annual fee
- $550
- Intro APR
- Not listed
- Regular APR
- 19.74% to 28.74% variable
- $400/mo on dining earns about $168/year (3.5x).
- $1200/mo on everyday spending earns about $216/year (1.5x).
- The $550 fee pays for itself at about $1830/mo on dining.
- You come out ahead of a no-fee 1% card after about $22000/year of dining spending.
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Hilton Honors American Express Aspire Card: questions people ask
Is the Hilton Honors American Express Aspire Card worth it?
On typical spending the Hilton Honors American Express Aspire Card returns about $804 a year in rewards and usable credits, which covers its $550 fee with $254 to spare. The welcome bonus adds roughly $1,000 in the first year.
What is the Hilton Honors American Express Aspire Card annual fee?
The Hilton Honors American Express Aspire Card has a $550 annual fee. On typical spending its rewards and usable credits come to about $804 a year, so it nets about $254 after the fee.
What is the Hilton Honors American Express Aspire Card welcome bonus?
Earn 200,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership. We value it at about $1,000. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Hilton Honors American Express Aspire Card earn?
14x Points on purchases made directly with hotels and resorts within the Hilton Portfolio. 7x Points on select travel and dining. 3x Points on other eligible purchases.
What credit score do you need for the Hilton Honors American Express Aspire Card?
The issuer doesn't say; we'd class it as: excellent credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Hilton Honors American Express Aspire Card charge foreign transaction fees?
No. The Hilton Honors American Express Aspire Card has no foreign transaction fee.
Compare Hilton Honors American Express Aspire Card
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: American Express product page. Terms change often; confirm them with the issuer before you apply.