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Compare the Features and Benefits of Hilton Honors American Express Aspire® Card and
Personal Credit Card Earning Valuable TY Points

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Free Annual Hotel Night
Annual Statement Credits
Grants Hotel Status
Secondary Car Rental CDW Waiver
Extended Warranty
Purchase Protection
Return Protection
Grants Car Rental Status
Cell Phone Protection
Trip Protections
No Foreign Transaction Fees
No Fees for Authorized Users
Concierge Services
Amex Offers
Annual Fee
$550 (Rates and fees)
Avg. Min. Credit Score
670-850 *
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
Free Annual Hotel Night
yes
Annual Statement Credits
yes
Grants Hotel Status
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
Return Protection
yes
Grants Car Rental Status
yes
Cell Phone Protection
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Concierge Services
yes
Amex Offers
yes
Annual Fee
$95
Avg. Min. Credit Score
*
Balance transfers fees
-
Best Multiplier
Avg. Point Value
(Learn More)
$
Bonus Offer
Earn 70,000 bonus points after spending $4,000 in the first 3 months
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(0) 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

Earn 60,000 bonus points after spending $4,000 in the first 3 months

Read more
Unique Card Benefits
no
Free Annual Hotel Night
no
Annual Statement Credits
no
Grants Hotel Status
no
Secondary Car Rental CDW Waiver
no
Extended Warranty
no
Purchase Protection
no
Return Protection
no
Grants Car Rental Status
no
Cell Phone Protection
no
Trip Protections
no
No Foreign Transaction Fees
no
No Fees for Authorized Users
no
Concierge Services
no
Amex Offers
no

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