Hilton Honors American Express Aspire Card
$550 a year. Purchase APR 19.74–28.74%, variable.
- Annual fee
- Cardmember agreementFiled with the CFPB · PDF
“Annual Fee $550”
- Purchase APR, variable
- Cardmember agreementFiled with the CFPB · PDF
“(APR) for Purchases Prime Rate + 12.74% to Prime Rate + 21.74%”
- Prime rate, in effect since Sep 17, 2026
- 7.00%
- Card margin
- +12.74–21.74%
- APR today
- 19.74–28.74%
- Foreign transaction fee
- Cardmember agreementFiled with the CFPB · PDF
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| 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
| Annual fee | Cardmember agreementFiled with the CFPB · PDF “Annual Fee $550” |
|---|---|
| Purchase APR | Cardmember agreementFiled with the CFPB · PDF “(APR) for Purchases Prime Rate + 12.74% to Prime Rate + 21.74%”
|
| Cash advance APR | Cardmember agreementFiled with the CFPB · PDF “APR for Cash Advances Prime Rate + 21.99%”
|
| Cash advance fee | Cardmember agreementFiled with the CFPB · PDF “Either $10 or 5% of the amount of each cash advance, whichever is greater.” |
| Penalty APR | Cardmember agreementFiled with the CFPB · PDF “Prime Rate + 26.74%”
|
| Late payment | Cardmember agreementFiled with the CFPB · PDF “Late Payment: Up to $40.” |
| Returned payment | Cardmember agreementFiled with the CFPB · PDF “Returned Payment: Up to $40.” |
| Foreign transactions | Cardmember agreementFiled with the CFPB · PDF The source states this figure; we have no exact sentence on file yet. |
| Grace period | Cardmember agreementFiled with the CFPB · PDF “ID DAM0ASK025_V003” |
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
- The American Express GoldAmerican Express · $325 a year+$330 a year
- Bilt PalladiumBilt · $495 a year+$245 a year
- Business GoldAmerican Express · $325 a year+$135 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).