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Author - Sam
Updated: January 9, 2025 | Credit Card Review The Hilton Honors Amex Aspire Card (American Express is a HelpMeBuildCredit advertiser) offers extreme Hilton benefits including complimentary Hilton Diamond status (great for room upgrades), an annual free night, Hilton $200 resort credit twice a year, $189 Clear credit, National Car Rental Executive status and more! It also comes along with a full package of travel benefits, including no foreign transaction fees, baggage insurance, and more!
- Credit: Good credit needed
- Amex 90-day rule: In a time span of 90 days, you can only get approved for 2 Amex cards. No Preset Spending Limit* cards are not included in this rule and do not get counted.
- Max cards: You can only get approved for up to - and including- 5 Amex credit cards (including personal and business), but this rule isn’t always enforced (please note the total of 5 credit cards excludes some Amex cards that are No Preset Spending Limit* cards like the Amex Platinum, Amex Gold, etc)
- Apply for two cards: If you apply for one Amex card and get approved, it is recommended to apply for a second card since Amex is very good about approving for two cards, even within the same day
- Credit bureau: Amex will usually pull your Experian credit report. With the new "Apply With Confidence" feature, Amex will first do only a soft pull on your credit report and will let you know if approved or not. Only after you accept the approval will Amex do a hard pull on your credit (this feature is currently only available on Amex consumer cards. See more details below)
- Combining same-day credit inquiries: Credit inquiries for same-day applications will be combined, as long as they are both approved for on the same day. Note, for some existing Amex credit cardholders, Amex will not do a hard credit pull when applying for a new credit card at any time
- Check application status: You can check your application status here or call 1 800 567 1083
- Reconsideration: If declined you can call 1 800 567 1083 to be reconsidered
Quickest way to get my card: Amex will sometimes give you an instant credit card number after approval, but not always. Amex physical credit cards cannot be expedited (except for the platinum cards) and will arrive after 5-7 business days
- Downgrade options: The Amex Hilton Aspire card can be downgraded to the Amex Hilton Surpass ($95) or to the Amex Hilton ($0). Please note, it is not recommended to downgrade an Amex card before 12 months of account opening.
Approval Monitor (submitted by HelpMeBuildCredit users)
Credit limit range $3,100-$3,100
Avg. Credit limit$3,100
Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.
HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application
Secondary worldwide coverage on rentals up to 30 days (excluding Australia, Italy, and New Zealand). Max $75,000. You can purchase a premium plan from Amex that will offer primary coverage up to 42 days. Max $100,000.
Get reimbursed for up to $800 per claim (with a $50 deductible) if your cell phone is damaged or gets stolen. To activate coverage, you need to pay your monthly cell phone bill with your Aspire credit card. Max 2 claims per year.
Get up to $400 in Hilton Resort credits: Get a $200 statement credit at Hilton resorts each half a year.
Get up to $200 credits for airline tickets: Get up to a $50 credit each quarter for paid flights booked directly with the airline or on Amex Travel for up to $200 in credits per year.
Get a $199 CLEAR statement credit per calendar year.
Receive a $100 property credit each cardmember year when booking 2 nights or more at Waldorf Astoria or Conrad Hotels (book here hiltonhonorsaspirecard.com or reference ZZAAP1 when booking by phone).
Get one additional year to your original manufacturer’s warranty time. (Will only cover if the original warranty is for 5 years or less). Max $10,000 per claim, $50,000 per year.
Get a free Hilton night stay the first year, and every year upon renewal.
Get another free night reward after spending $30K in a calendar year.
Get covered for lost or damaged luggage up to $2,000 per person for checked baggage and up to $3,000 per person for checked and carry-on baggage combined. Max $10,000 per trip for NY residents.
Get refunded if your purchase is damaged, lost, or stolen, up to 90 days from the date of purchase. Max $10,000 per claim, $50,000 per year.
Not happy with a purchase? Get a refund on purchases that have passed the store return policy – up to 90 days from date of purchase. Max $300 per claim, max $1,000 per year.
Coverage for canceled or interrupted travel due to an unforeseen medical emergency etc. Max $10,000 per person per trip, max $20,000 per year for non-refundable travel expenses including flight tickets, hotels, and more.
If your flight is delayed for 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 2 claims per year.
Enjoy complimentary Hilton Diamond status.
Complimentary National Car Rental Executive status.
The points can be used at approximately half a penny per point to book free nights at one of the following Hilton hotel brands:
- Waldorf Astoria
- LXR
- Conrad
- Canopy
- Signia Hilton
- Hilton
- Curio Collection
- DoubleTree
- Tapestry Collection
- Embassy Suites
- Tempo
- Motto
- Hilton Garden Inn
- Hampton
- Try
- Homewood Suites
- Home Suites 2
- Hilton Grand Vacations
