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American ExpressChecked Oct 4, 2026

Hilton Honors American Express Aspire Card

$550 a year. Purchase APR 19.74–28.74%, variable.

Annual fee
Purchase APR, variable
Foreign transaction fee

We don't earn anything from this link. Select any underlined figure to see where it comes from.

What it's worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
SpendingFirst yearAfter
Light spender−$345−$345
Typical spender−$30−$30
Heavy spender$585$585
The spending each assumes, a month
  • Light spender: groceries $300, dining $100, gas $100, everything else $500
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500

Assumed: points valued at an assumed 0.5¢; not counted: 7x airfare on a scheduled flight charged directly with passenger airlines.

Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards

How it compares

  • Lower top APR than about 25% of the 577 cards we track.

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

How you earn · Hilton Honors

  • 14× pointspurchases made directly with hotels and resorts within the Hilton portfolio
  • 7× pointspurchases at U.S. Restaurants
  • 7× pointsairfare on a scheduled flight charged directly with passenger airlines
  • 7× pointspurchases directly from select major car rental companies listed at americanexpress.com/rewards-info
  • 3× pointsEverything else

Rates and fees

Rates and fees for the Hilton Honors American Express Aspire Card, each with its source
Annual fee
Purchase APRPrime + 12.74% to Prime + 21.74%
Cash advance APRPrime + 21.99%
Cash advance fee
Penalty APRPrime + 26.74%
Late payment
Returned payment
Foreign transactions
Grace period

Carrying a balance? See how long it takes to pay off at 28.74% APR

Benefits

  • Hilton Resort Credit: $200 semiannual
  • Flight Credit: $50 quarterly
  • CLEAR+ Credit: $219 annual
  • Waldorf Astoria and Conrad Property Credit: $100 other
  • Up to $219 in statement credits per calendar year for CLEAR+ Membership at 60+ airports nationwide
  • Executive lounge access at select Hilton properties through Hilton Honors Diamond status
  • Complimentary Hilton Honors Diamond status, including a 100% bonus on Base Points earned on every stay, Premium Wi-Fi, and space-available room upgrades at select properties
  • Complimentary National Car Rental Emerald Club Executive status, including Executive Area Access for full-size reservations and above in the USA and Canada; enrollment required
  • Annual Free Night Reward from Hilton Honors in the first year of Card Membership and every year upon Card renewal
  • Each calendar year, a Free Night Reward can be earned after spending $30,000 in purchases, and another after spending an additional $30,000
  • 10% back on qualifying concessions purchases at participating American Express Venue Collection locations, up to $250 per calendar year; enrollment required
  • Amex Presale Tickets and Amex Reserved Tickets access to select events, while supplies last
  • Global Dining Access by Resy, including access to exclusive reservations, premium dining experiences, and Priority Notify, after adding the Card to a Resy profile
  • No foreign transaction fees
  • Premium Global Assist Hotline provides 24/7 medical, legal, financial, and other emergency coordination and assistance while traveling more than 100 miles from home
  • Send & Split allows payments to friends and splitting purchases with Venmo and PayPal users; enrollment required
  • Dispute resolution assistance
  • Year-End Summary of charges
  • Additional Cards may be added
  • Instant Card Number may be available for online and digital-wallet use after approval
  • Rental car
  • Baggage: Up to a combined maximum of $3,000 for checked and carry-on baggage, including up to $2,000 for checked baggage and up to $1,000 for high-risk items; $3,000 aggregate limit per covered trip. For New York State residents, $2,000 per bag or suitcase per Covered Person and a $10,000 aggregate maximum per Covered Trip.
  • Trip delay: Up to $500 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period
  • Trip cancellation: Up to $10,000 per trip and up to $20,000 per Eligible Card per 12 consecutive month period
  • Purchase protection: Up to $10,000 per Covered Purchase and up to $50,000 per calendar year
  • Extended warranty: Up to $10,000 per item and $50,000 per calendar year, limited to the actual amount charged on the Card
  • Return protection: Up to $300 per item and up to $1,000 per calendar year per Card account, excluding shipping and handling
  • Cell phone: Up to $800 per claim, with a limit of 2 approved claims per 12-month period
  • Emergency assistance

Questions

What is the annual fee?
$550 Filed with the CFPB · PDF, since Sep 29, 2026
Does it charge a foreign transaction fee?
No. Filed with the CFPB · PDF, since Sep 29, 2026
What is the purchase APR?
19.74–28.74% APR Filed with the CFPB · PDF, since Sep 29, 2026

Other points cards with fees over $300

Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).