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Hilton Honors Amex Aspire Card

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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

welcome offer

Earn 150,000 points after spending $6,000 within the first 6 months (terms apply).

Bonus Value

Approximately $600 - $750

Annual Fee

$550

Card 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

Add to compare

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Author - Sam Updated: February 13, 2024 | Credit Card Review
Card Overview

The Hilton Honors Amex Aspire card 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!

Card-Smart Tips & Advice
  • 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)

100% Approved
716 Avg. Score of those approved
0% Denied
Approved 100% (2)
Denied 0% (0)

Credit limit range $3,100-$3,100

Avg. Credit limit$3,100

Approved 100% (2)
Denied 0% (0)

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

Welcome Offer Eligibility
You can only receive 1 welcome bonus per lifetime on each Amex credit card. If you are not eligible for the welcome bonus you will be notified by Amex before you submit the application. 
Card Details And Benefits
Auto Rental Collision Insurance

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.

Cell Phone Protection

New! 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.

Credits

New! Get up to $400 in Hilton Resort credits: Get a $200 statement credit at Hilton resorts each half a year.

New! 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.

New! Get a $189 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).

Extended Warranty Protection

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.

Free Night Certificate

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.

Lost Luggage Reimbursement

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.

Purchase Protection

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.

Return Protection

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.

Trip Cancellation Insurance

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.

Trip Delay Reimbursement

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.

Upgraded Statuses

Enjoy complimentary Hilton Diamond status.

New! Complimentary National Car Rental Executive status.

How can the points be used?

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

Additional Resources

*No Preset Spending Limit means the spending limit is flexible. [In fact,] unlike a traditional [credit] card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history

The new application experience is currently available for individuals applying for a U.S. Personal Card via HelpMeBuildCredit, at AmericanExpress.com/us/credit-cards, or by calling American Express, and is not available if you apply for a Card after you log into an existing Card Member Account.

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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