| Card | Hilton Honors Amex Aspire Card | Amex Hilton Surpass Card | Hilton Honors Card |
| Welcome Bonus | Earn 150,000 points after $4,000 spent within the first 3 months (terms apply). | Earn 150,000 points after $2,000 spent within the first 3 months plus a $150 statement credit after your first purchase is made (terms apply). | Earn 100,000 points after $1,000 spent within the first 3 months plus a $100 statement credit after your first purchase is made (terms apply). |
| Annual Fee | $450 | $95 | $0 |
| Rewards | - 14 points on Hilton hotels - 7 points on flights booked through amextravel.com or directly with the airline, and on car rentals booked directly with the company - 7 points at restaurants - 3 points on all other eligible purchases | - 12 points on Hilton purchases - 6 points at US gas stations, US supermarkets and US restaurants - 3 points on all other purchases | - 7 points on Hilton purchases made directly with a Hilton hotel or resort - 5 points at US supermarkets and US restaurants, and US gas stations - 3 points on all other eligible purchases |
| Upgraded Status | Enjoy complimentary Hilton Diamond status | Enjoy complimentary Hilton Gold Status. Earn Hilton Honors Diamond Status through the next calendar year after $40,000 spent annually | Enjoy complimentary Hilton Silver status or upgrade to Hilton Gold status after you spend $20,000 or more in a calendar year |
| Credits | Receive $250 airline fee credit per year for incidental fees. Receive a $250 credit each year for purchases at participating Hilton Resorts. Receive a $100 property credit when booking 2 nights or more at Waldorf Astoria or Conrad Hotels (reference ZZAAP1 when booking by phone) | | |
| Free Night Certificate | Receive 1 free Hilton weekend night the first year, and every year upon renewal | Earn a weekend night reward from Hilton Honors after $15,000 spent in a calendar year | |
| No Foreign Transaction Fee | None | None | None |
| Lounge Access | Access for you plus two guests to 12,000+ airport lounges, with a complimentary Priority Pass Select Membership | Receive 10 free Priority Pass lounge passes annually | |
| Trip Cancellation Insurance | Coverage for canceled or interrupted travel due to a unforeseen medical emergency, etc. Max $10,000 per person per trip for a max of $20,000 per year. | | |
| Auto Rental Collision Insurance | Secondary worldwide coverage (excluding Australia, Italy, and New Zealand) on rentals up to 30 days (max $75,000). You can purchase from Amex a premium plan that will offer primary coverage up to 42 days (max $100,000). | Secondary worldwide coverage (excluding Australia, Italy, and New Zealand) on rentals up to 30 days (max $50,000). You can purchase from Amex a premium plan that will offer primary coverage up to 42 days (max $100,000). | Secondary worldwide coverage (excluding Australia, Italy, and New Zealand) on rentals up to 30 days (max $50,000). You can purchase from Amex a premium plan that will offer primary coverage up to 42 days (max $100,000). |
| Lost Luggage Reimbursement | Up to $2,000 per person for lost or damaged luggage (max $10,000 per trip for NY residents) | Up to $500 per person for lost or damaged luggage (max $10,000 per trip for NY residents) | |
| Trip Delay Reimbursement | If your flight is delayed more than 6 hours you can claim up to $500 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items (up to two claims per year). | | |
| Return Protection | Not happy with a purchase? Get a refund on purchases that are passed the store return policy for up to 90 days. Max $300 per claim, $1,000 per year) | | |
| Extended Warranty Protection | Get one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 5 years or less. Max $10,000 each claim and $50,000 per year. | Get one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 5 years or less. Max $10,000 each claim and $50,000 per year. | Get one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 5 years or less. Max $10,000 each claim and $50,000 per year. |
| Purchase Protection | Get refunded if your purchase is damaged, lost, or stolen for up to 90 days from the date of purchase. Max $10,000 per claim ($50,000 per year) | Get refunded if your purchase is damaged or stolen for up to 90 days from date of purchase. Max $1,000 per claim ($50,000 per year) | Get refunded if your purchase is damaged or stolen for up to 90 days from date of purchase. Max $1,000 per claim ($50,000 per year) |
| Authorized User Fee | $0 | $0 | $0 |
