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Compare the Features and Benefits of Hilton Honors American Express Aspire® Card and
Chase Sapphire Preferred® Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Annual Statement Credits
Extended Warranty
Purchase Protection
Trip Protections
No Foreign Transaction Fees
Free Annual Hotel Night
Grants Hotel Status
Secondary Car Rental CDW Waiver
Return Protection
Grants Car Rental Status
Cell Phone Protection
No Fees for Authorized Users
Concierge Services
Amex Offers
Primary Car Rental CDW Waiver
Earns Transferable Points
Roadside Assistance
Travel and Emergency Assistance Services
Free Access to Credit Score
Annual Fee
$550 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
-
Balance transfers fees
-
Best Multiplier
14x Hotels

At Hilton portfolio properties when you book direct with Hilton or the hotel. Otherwise, earn 3X points

7x Airfare
7x Car Rentals
7x Dining Out / Food Delivery

U.S. dining, including takeout and delivery

3x Everything Else
Avg. Point Value
(Learn More)
$0.005
Bonus Offer

Earn 175,000 Hilton Honors Bonus Points after you make $6,000 in purchases within the first 6 months of Card Membership. Terms apply.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.38) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

I’ve long said at MilesTalk that I think the Hilton Aspire is the best hotel credit card on the market.

Setting aside the welcome bonus, here are your yearly benefits:

Hilton Resort Credits – $400: If you stay at Hilton resorts twice annually (although it must be one time January to June and one time July to December, this is as good as cash.

Airline credits – $200 ($50 per calendar quarter): Easy to use if you fly once per quarter

Hilton Honors Diamond status – $950: This could technically be worth a couple thousand if you stay frequently at Hilton properties (and a certain site I won’t name would say it’s worth over $3,000), but that would also likely mean you don’t need this card to earn it, since you’d earn it from nights stayed.

Even if you only stay 10 nights a year, the free breakfast or daily food credits and lounge access for two would be conservatively worth ~$70 a day. Room upgrades are never guaranteed, but they are frequent in my experience. Let’s call those ~$25 a stay even though that’s very light as a value given that some upgrades are likely to be suites.  If you stay 10 nights a year, Diamond status is worth $950 using the calculations above.

Annual Free Night Certificates $500: Valid any night of the week and good at any Hilton properties in the Hilton portfolio. with no points limit. It’s not going to be hard to pick and choose where to use that for maximum value and at any Conrad or Waldorf-Astoria at a busy time, $500 is easy. I recently redeemed my own for the Waldorf Astoria Pedregal in Cabo for a $1,500 night room!

I won’t value the potential free second or third weekend night since those do require $30,000 and $60,000 in spend.

I also won’t value the $189 CLEAR+ credit as that is available on so many other Amex cards.

Total Tangible Benefits from your $550 in annual spend? $2,050

I mean, that is NUTS. And I hope you can tell that if anything I tried to assign lower values to perks than they are probably worth! If anything, I undervalued them. The only thing is that you obviously need to stay at Hilton hotels or resorts a handful of times a year to enjoy the benefits. And really, if you don’t, then you likely don’t need a Hilton credit card.

Rates and Fees for the Hilton Honors Aspire® Credit Card

All information about the Hilton Honors Aspire® Credit Card has been collected independently by Your Best Credit Cards.

Read more
Unique Card Benefits
yes
Annual Statement Credits
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
Free Annual Hotel Night
yes
Grants Hotel Status
yes
Secondary Car Rental CDW Waiver
yes
Return Protection
yes
Grants Car Rental Status
yes
Cell Phone Protection
yes
No Fees for Authorized Users
yes
Concierge Services
yes
Amex Offers
yes
Primary Car Rental CDW Waiver
no
Earns Transferable Points
no
Roadside Assistance
no
Travel and Emergency Assistance Services
no
Free Access to Credit Score
no
Annual Fee
$95
Avg. Min. Credit Score
670-850 *
Ongoing APR
21.49%-28.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
5x Airfare

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.

5x Car Rentals

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.

5x Hotels

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.

5x Lyft
3x Dining Out / Food Delivery
3x Streaming Services
2x Transit
2x Cruises
1x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.0175
Bonus Offer

Get 75,000 bonus Ultimate Rewards points when you spend $4,000 in 3 months.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.05) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

We consider the Chase Sapphire Preferred® the best starter travel rewards credit card available today. For a modest $95 annual fee, you’ll earn bonus points in several categories, get up to a $50 statement credit for hotel stays purchased through Chase Travel℠, plus get a slew of travel protections.

The Chase Sapphire Preferred® credit card earns bonus points on travel purchases, dining, online grocery shopping, and select streaming services. Plus you’ll earn an annual Ultimate Rewards bonus of 10% of the prior year’s spending. Although the credit card doesn’t earn bonus points on other purchases, you can pair the card with other Chase credit cards to boost your Chase Ultimate Rewards earning rate.

online-grocery-shopping-chase-sapphire-preferred-card

Chase Ultimate Rewards points have a cash value of 1 cent each. But, you can get more value when you redeem points for travel purchased through Chase Ultimate Rewards (1.25 cents), through Chase Pay Yourself Back, or when you transfer points to airline and hotel partners.

The Chase Sapphire Preferred® card justifies its annual fee year after year by providing the best set of travel protections on a card with under a $100 annual fee. Your car rentals will be automatically covered against theft and damage when you use your card and primary coverage means your own insurance won’t have to get involved. You’ll be protected against weather delays, lost luggage, and trip interruptions or outright cancellations.

Additionally, you’ll get benefits from several partners. For example, earn 5 points per dollar on Lyft rides through March 2025. Plus, you can get lower service fees when you use DoorDash by enrolling to get one complimentary year of DashPass through December 2024.

Read more
Unique Card Benefits
yes
Annual Statement Credits
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
Free Annual Hotel Night
no
Grants Hotel Status
no
Secondary Car Rental CDW Waiver
no
Return Protection
no
Grants Car Rental Status
no
Cell Phone Protection
no
No Fees for Authorized Users
no
Concierge Services
no
Amex Offers
no
Primary Car Rental CDW Waiver
yes
Earns Transferable Points
yes
Roadside Assistance
yes
Travel and Emergency Assistance Services
yes
Free Access to Credit Score
yes

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