Hilton Honors Aspire Card from American Express
Basic Information
Program ID: hilton-honors-aspire
Issuer: American Express
Card Type: Credit
Network: American Express
Card Tier: Premium
Data Complete: Yes
Created: 01/07/2026 07:41
Last Scraped: 01/15/2026 05:37
Fee Structure
| Annual Fee: | $550.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $-50.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $180,000.00
Spending Requirement: $6,000.00
Time Period: 180 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours of statement closing after the spend is met.
Rewards Program
Reward Type: Hilton Honors Points
Base Reward Rate: 3.00%
Bonus Reward Rate: 14.00%
Bonus Categories: 14x Hilton Hotels & Resorts; 7x Flights booked directly with airlines or amextravel.com; 7x Car Rentals booked directly from select car rental companies; 7x U.S. Restaurants
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the Hilton Honors account remains active with qualifying activity every 24 months.
Transfer Partners: N/A - Points are Hilton Honors points and do not transfer to other major airline/hotel partners.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $100.00
- TSA PreCheck Credit: $85.00
- Hotel Status: Hilton Honors Diamond
Approval Criteria
Recommended FICO Range: 700 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: Based on current American Express policies and common expectations for 2026, eligibility for the Hilton Honors Aspire card welcome bonus is subject to several key rules: 1. **One Welcome Bonus Per Card Per Lifetime**: American Express generally offers one welcome bonus per specific card product per lifetime. This means if you have previously held the Hilton Honors Aspire card and received its welcome bonus, you are typically ineligible to receive it again. 2. **2/90 Rule**: Applicants are generally limited to a maximum of two American Express credit card approvals within a 90-day period. 3. **General Eligibility**: Applicants must have a good to excellent credit score (typically 700+), sufficient income to support the credit line, and meet American Express's internal underwriting criteria. American Express also considers the number of existing Amex cards and total credit exposure when evaluating new applications. 4. **Not Currently Holding the Card**: You generally cannot receive a welcome bonus if you currently hold the specific card product.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 6 months
Shutdown Risk Triggers: Common triggers for account review or shutdown by American Express include: manufactured spending (e.g., excessive gift card purchases, payment of non-qualifying bills), rapid application for multiple cards, high cumulative credit limit across all Amex accounts, unusual spending patterns inconsistent with declared income, credit cycling (paying off and re-spending credit limits rapidly), and failure to pay bills on time.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.3 / 5.0
Top Positive Feedback:
Excellent value for Hilton loyalists due to automatic Diamond status, generous free night certificates, and substantial travel credits that offset the annual fee.
Top Negative Feedback:
High annual fee can be prohibitive if travel credits and free night are not fully utilized; points are specific to Hilton and have lower redemption value compared to flexible points.
Approval Experience Score: 90.0 / 100
Recommended Alternatives
- Marriott Bonvoy Brilliant American Express Card
- The Platinum Card® from American Express
- Chase Sapphire Reserve
Card Value Score: 92.0 / 100
Est. Annual Rewards: $1,500.00
User Portfolio Metrics
Avg Portfolio Size: 5 cards
Avg Portfolio Age: 84 months
Store vs Co-brand: 60% General / 40% Co-brand
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0