Is the Hilton Aspire Amex card definitely worth the annual charge?

Regardless of its hefty $550 annual charge (see charges and costs), the charges and costs are effectively value it due to its providing of Hilton Honors elite standing, assertion credit and spectacular incomes charges.

Essentially the most priceless advantage of the Hilton Aspire Amex is its providing of Hilton Honors Diamond standing, which earns bonus factors on resort stays, free breakfast, room upgrades, and government lounge entry.

Right this moment, we are going to dive into the specifics of the Hilton Aspire Amex and what makes it value paying the annual charge.

The data for the Hilton Aspire card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

Spectacular welcome supply

At present, the Hilton Aspire Amex is providing 180,000 Hilton Honors bonus factors after you spend $6,000 in buying throughout the first six months of card membership. The supply ends Jan. 17.


The present welcome supply is the very best we now have seen and a very good time to use for the cardboard. TPG values Hilton Honors factors at 0.6 cents every, and the welcome supply is value $1,080.

Associated: Selecting the very best Hilton bank card

Robust incomes charges

As Hilton loyalists, cardmembers are positive to see their Hilton Honors level balances skyrocket with spectacular incomes charges. The charges and costs supply 14 factors per greenback on purchases for Hilton portfolio resort stays. Prices embody resort stays and incidentals charged to the room invoice and paid for utilizing your Aspire card.

Cardmembers additionally earn 7 factors per greenback spent on flights booked immediately with an airline or by, automotive leases booked with particular automotive rental firms, and purchases at U.S. eating places (together with takeout and supply). All different purchases earn 3 factors per greenback spent.

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As a card meant for Hilton loyalists, it affords an important incomes price when staying at Hilton properties. Nevertheless, the cardboard falls quick for on a regular basis purchases, netting only a 1.8% return — a standard money again card will get you higher worth on on a regular basis purchases.

Elite standing

The most important think about whether or not the Hilton Amex Aspire is value it’s elite standing. Cardmembers obtain complimentary Diamond standing with Hilton, which TPG values at almost $3,000.


Diamond elite standing affords 100% bonus factors on all Hilton stays, so an additional 10 factors per greenback, a outstanding return on a profit offered to cardholders. Diamond elite members additionally obtain complimentary upgrades on rooms, together with suites, primarily based on availability, together with breakfast or a meals and beverage credit score. Cardmembers additionally get pleasure from government lounge entry at relevant properties.

Based mostly on the great advantages of Hilton Diamond elite standing, the $550 annual charge (see charges and costs) could also be value paying for advantages that’ll elevate your resort keep expertise.

Associated: The best way to maximize the Hilton Amex Aspire

Assertion credit

Cardmembers obtain as much as $400 in assertion credit every calendar 12 months for eligible purchases at eligible Hilton resorts. This credit score is cut up into two $200 assertion credit, January to June and July to December. The assertion credit score might be utilized towards eating, actions, spa therapies and, even higher, room charges and taxes.


Cardmembers additionally obtain as much as $200 in annual airline buy assertion credit, cut up into $50 every calendar quarter, for airfare bought immediately from an airline or by

Moreover, cardmembers obtain as much as $100 Hilton property credit score when reserving no less than a two-night paid keep at Waldorf Astoria or Conrad properties by (or over the telephone and quote reserving code ZZAAP1).

Together with journey credit, the Aspire additionally offers a press release credit score of as much as $189 a 12 months towards a Clear Plus membership. Clear is an expedited safety program obtainable at greater than 50 U.S. airports, stadiums and enormous venues. If TSA PreCheck traces are lengthy or closed, Clear members can use devoted safety lanes with their kiosks to clear airport safety.

Associated: 7 causes to get the Hilton Amex Aspire

Different advantages

Hilton Amex Aspire cardmembers can obtain as much as three free night time awards every year.

The primary free night time reward is given after opening an account and on the cardmember anniversary every year, with the power to earn a second-night and third-night reward when spending $30,000 and $60,000 on the cardboard in a calendar 12 months, respectively.

Senior bank cards editor Matt Moffitt makes use of his free night time rewards to remain at luxurious properties when he visits New York Metropolis, a market with historically very excessive money costs.


The Aspire offers complimentary Nationwide Automobile Rental Emerald Membership Govt standing after enrollment within the Emerald Membership program (phrases apply) and journey protections, together with journey delay reimbursement*, journey cancellation, and interruption insurance coverage*.

Cardmembers additionally obtain cellphone safety for a most of $800 per declare in reimbursement for the restore or theft of a tool when the wi-fi invoice for the particular cellphone line is paid utilizing the Aspire card. There is a restrict of two accredited claims each 12 months, with a $50 deductible every time.

Enrollment is required for choose advantages.

*Eligibility and profit degree varies by card. Phrases, situations and limitations apply. Go to for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.

Backside line

The Aspire deserves a spot in your pockets for those who’re a Hilton loyalist who continuously stays at Hilton portfolio properties. You may obtain elite-status advantages, a excessive incomes price with Hilton and helpful assertion credit.

Nevertheless, for many who keep at Hilton properties often, the decrease annual charge Hilton Honors American Categorical Surpass® Card or a common journey rewards bank card just like the Chase Sapphire Most well-liked could be a greater match.

To study extra, learn our full card evaluation of the Hilton Amex Aspire.

For charges and costs and costs of the Hilton Amex Aspire, click on right here.

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