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

Regardless of its hefty $550 annual payment (see charges and charges), the charges and charges are properly value it because of its providing of Hilton Honors elite standing, assertion credit and spectacular incomes charges.

Probably the most priceless good thing about 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’ll dive into the specifics of the Hilton Aspire Amex and what makes it value paying the annual payment.

The knowledge 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

Presently, 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 highest we’ve got 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 most effective 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 charges supply 14 factors per greenback on purchases for Hilton portfolio resort stays. Expenses embrace 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 instantly with an airline or via, 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 provides an awesome incomes fee when staying at Hilton properties. Nonetheless, the cardboard falls quick for on a regular basis purchases, netting only a 1.8% return — a conventional 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 practically $3,000.


Diamond elite standing provides 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, based mostly on availability, together with breakfast or a meals and beverage credit score. Cardmembers additionally take pleasure in government lounge entry at relevant properties.

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

Associated: Methods to maximize the Hilton Amex Aspire

Assertion credit

Cardmembers obtain as much as $400 in assertion credit every calendar yr 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 shall be utilized towards eating, actions, spa remedies 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 instantly from an airline or via

Moreover, cardmembers obtain as much as $100 Hilton property credit score when reserving not less than a two-night paid keep at Waldorf Astoria or Conrad properties via (or over the cellphone and quote reserving code ZZAAP1).

Together with journey credit, the Aspire additionally gives a press release credit score of as much as $189 a yr towards a Clear Plus membership. Clear is an expedited safety program out there at greater than 50 U.S. airports, stadiums and huge venues. If TSA PreCheck strains 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 evening awards every year.

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

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


The Aspire gives 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 precise cellphone line is paid utilizing the Aspire card. There is a restrict of two permitted claims each 12 months, with a $50 deductible every time.

Enrollment is required for choose advantages.

*Eligibility and profit stage varies by card. Phrases, circumstances 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 in the event you’re a Hilton loyalist who regularly stays at Hilton portfolio properties. You may obtain elite-status advantages, a excessive incomes fee with Hilton and helpful assertion credit.

Nonetheless, for many who keep at Hilton properties often, the decrease annual payment Hilton Honors American Specific Surpass® Card or a common journey rewards bank card just like the Chase Sapphire Most popular can be a greater match.

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

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

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