17
Benefits5
Reward Categories14x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 5 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Hilton Purchases | 14x | Points | Eligible purchases charged directly with a hotel or resort within the Hilton portfolio. | No Cap | |
| Flights | 7x | Points | Flights booked directly with airlines or on amextravel.com. | No Cap | |
| Car Rentals | 7x | Points | Car rentals booked directly from select car rental companies. | No Cap | |
| U.S. Restaurants | 7x | Points | Purchases at U.S. restaurants. | No Cap | |
| Other Purchases | 3x | Points | All other eligible purchases. | No Cap |
Rewards Summary
PENDINGReward Type: Hilton Honors Points
Base Rate: 3x
Bonus Rate: 14x
Categories: 14x Hilton Portfolio Hotels; 7x Flights booked directly with airlines or on amextravel.com; 7x Car Rentals booked directly from select companies; 7x U.S. Restaurants; 3x All other eligible purchases
Quarterly Rotating: No
Cap Amount: $0.00
Expiration Policy: Points do not expire as long as Hilton Honors account remains active.
Point Value: 0.01¢
Travel Portal Multiplier: 14x
Transfer Partners: None (Hilton Honors points are not transferable out to other programs)
Redemption Penalties: None
Benefits & Protections (Detailed) 17 Total
PENDINGEarning Rewards 4
Hilton Honors Bonus Points on Hilton Purchases
14X pointsEarn 14X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
Hilton Honors Bonus Points on Flights & Car Rentals
7X pointsEarn 7X Hilton Honors Bonus Points for eligible purchases on flights booked directly with airlines or on amextravel.com, and on car rentals booked directly from select car rental companies.
Hilton Honors Bonus Points on US Restaurants
7X pointsEarn 7X Hilton Honors Bonus Points for eligible purchases at U.S. restaurants.
Hilton Honors Bonus Points on Other Purchases
3X pointsEarn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Hotel Benefits 4
Hilton Honors Diamond Status
Complimentary Diamond StatusEnjoy complimentary Hilton Honors Diamond Status with your Hilton Honors Aspire Card.
Hilton Resort Credit
Up to $250 per yearGet up to $250 in statement credits each card membership year for eligible purchases made directly with participating Hilton Resorts.
Free Night Reward
Up to 3 Free Night Rewards per yearReceive one Free Night Reward each year of Card Membership. Plus, earn an additional Free Night Reward after you spend $30,000 on eligible purchases on your Card in a calendar year. And earn a third Free Night Reward after you spend $60,000 on eligible purchases on your Card in a calendar year.
Hilton On-property Credit
Up to $100 per stayBook a 2-night minimum stay at Waldorf Astoria® or Conrad® Hotels & Resorts through HiltonHonorsAspireCard.com and get up to $100 in statement credits for qualifying charges.
Purchase Protection 3
Purchase Protection
Up to $10,000 per occurrence, $50,000 per yearWhen an eligible item you purchased with your Card is accidentally damaged, stolen, or lost within 90 days from the date of purchase, American Express may repair it, replace it, or reimburse you for the purchase price up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year.
Extended Warranty
Up to 1 additional year, $10,000 per itemWhen you purchase an eligible item with your Card, you can get up to one additional year added to the original manufacturer's warranty of five years or less. Coverage is limited to the actual amount charged to your Card for the item, up to a maximum of $10,000 per item, with a maximum of $50,000 per Card Member account per calendar year.
Return Protection
Up to $300 per item, $1,000 per yearIf you try to return an eligible item within 90 days from the date of purchase and the merchant won't take it back, American Express may refund the full purchase price, up to $300 per item, up to a maximum of $1,000 per Card Member account per calendar year.
Travel Assistance 1
Global Assist Hotline
Emergency coordination and assistanceFor medical, legal, financial or other select emergency coordination and assistance services when you travel more than 100 miles from home. Card Members are responsible for the costs charged by third-party service providers.
Travel Benefits 2
Airline Fee Credit
Up to $200 per yearGet up to $200 in statement credits per calendar year for incidental fees charged by one qualifying airline of your choice.
Priority Pass Select Membership
Complimentary MembershipEnjoy complimentary access to over 1,300 airport lounges worldwide once enrolled.
Travel Insurance 3
Car Rental Loss and Damage Insurance
Secondary coverageWhen you use your Card to reserve and pay for the entire rental and decline the optional collision damage waiver (CDW) at the rental car counter, you can be covered for damage to or theft of a rental vehicle in a covered territory.
Baggage Insurance Plan
Up to $3,000 per tripFor eligible lost, damaged, or stolen baggage when you purchase the entire fare for a Common Carrier ticket on your Card. Coverage can be up to $2,000 for checked baggage and up to $3,000 for carry-on baggage, with a $3,000 aggregate limit per covered trip.
Trip Delay Insurance
Up to $500 per tripIf a round-trip is purchased entirely with your eligible Card and a covered trip is delayed for more than 6 hours, you may be covered for up to $500 per trip, with a maximum of 2 claims per eligible Card per 12 consecutive month period.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Global Entry Credit: $100
TSA PreCheck Credit: $85
Hotel Status: Hilton Honors Diamond
Sign-Up Bonus
PENDING175,000
Points/MilesRequirement: Spend $6,000 in 180 days
Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours of statement closing after meeting the spend.
Fee Structure
PENDING| Annual Fee: | $550.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $150.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.30% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.24%
Balance Transfer APR: 0%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 0 months
Intro BT APR: 0% for 0 months
Promo Financing: Plan It
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: American Express enforces a 'one welcome bonus per card product per lifetime' rule for the Hilton Honors Aspire card. This means applicants are generally ineligible for the welcome bonus if they have ever held this specific card product before. Additionally, American Express has an application restriction of a maximum of 2 credit card approvals within a 90-day period. Eligibility also requires a good to excellent credit score, meeting Amex's income requirements, and not exceeding their internal limits for the number of open credit card accounts.
Max Cards Per Issuer: 5
Min Spend Interval: 6 months
Cliff Effect Rules: The 'once per lifetime' rule applies specifically to the Hilton Honors Aspire card product. This means that while you can earn welcome bonuses on different Hilton co-branded cards (e.g., Hilton Honors, Hilton Honors Surpass) from American Express, you are only eligible for the welcome bonus on the Aspire card if you have not previously held *that specific Aspire product*.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.2 / 5.0
Top Positive:
Exceptional travel benefits including Hilton Diamond status, annual free night, and generous airline/resort credits. Excellent for Hilton loyalists.
Top Negative:
High annual fee can be difficult to justify without maximizing credits. Limited earning potential on non-travel/dining spend.
Approval Experience: 88.0 / 100
Recommended Alternatives
- The Platinum Card® from American Express
- Marriott Bonvoy Brilliant® American Express® Card
- Chase Sapphire Reserve®
Card Value Score: 92.0 / 100
Est. Annual Rewards: $2,700.00
Approval Probability: 92.0%
Version Control
PENDINGVersion ID: v1.0
Last Updated: Jan 01, 2024 00:00