Hilton Honors American Express Aspire

Dining is the strongest category at 3.5% effective value (7x points at about 0.5 cents each). That dining rate ranks higher than about 86% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

Dining is the strongest category at 3.5% effective value (7x points at about 0.5 cents each). That dining rate ranks higher than about 86% of the 1,547 cards we track in that category.

Madeen values Hilton Honors at about 0.5 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.

The Hilton Honors American Express Aspire has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

• 7X points on flights booked directly with airlines or AmexTravel.com
• 7X points on dining at U.S. restaurants, including takeout and delivery

The Hilton Honors American Express Aspire fits spenders who put meaningful volume in dining and can earn 7x points. Best for spenders who put meaningful volume in dining and can earn 7x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.

Hilton Honors American Express Aspire fits spenders who put meaningful volume in dining and can earn 7x points. Madeen ranks its dining effective rate higher than about 86% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.

Best for spenders who put meaningful volume in dining and can earn 7x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.

Compare it against simpler no-fee cards if you want minimum complexity.

Best for dining-heavy spend when the $550 fee fits your usage; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

The Hilton Honors American Express Aspire has an annual fee of $550 and a foreign transaction fee of None. New applicants may see: Earn 150,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors American Express Aspire Card in the first 6 months of Card Membership.. Confirm current issuer terms before applying.

Annual fee

$550

Foreign transaction fee

None

Signup bonus

Earn 150,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors American Express Aspire Card in the first 6 months of Card Membership.

The Hilton Honors American Express Aspire includes Trusted traveler credit, Free hotel night, $100 Property Credit, $189 CLEAR® Plus Credit and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.

• Trusted traveler credit$189 in statement credits per calendar year after you sign up and pay for a CLEAR Plus membership (subject to auto-renewal) with your Hilton Honors Aspire Card
• Free hotel nightAnnual Free Night Reward - Enjoy one Free Night Reward with your new Hilton Honors American Express Aspire Card and every year after renewal

• $100 Property Credit

  With your Hilton Honors American Express Aspire Card, book a 2 night minimum stay at hiltonhonorsaspirecard.com and get up to $100 in credits for qualifying charges at participating Waldorf Astoria® Hotels & Resorts and Conrad® Hotels & Resorts.

• $189 CLEAR® Plus Credit

  CLEAR® uses unique attributes, such as eyes or fingerprints, to digitally verify identity to help its members move faster through security at select airports nationwide. You can cover the cost of a CLEAR Plus Membership (Excluding any applicable taxes and fees and subject to auto-renewal) with up to $189 in statement credits per calendar year after you pay for CLEAR Plus with your Hilton Honors American Express Aspire Card.

• $200 Flight Credit

  Get up to $50 in statement credits each quarter, for a total of up to $200 back each year, on flight purchases made directly with an airline or through amextravel.com using your Hilton Honors American Express Aspire Card.

• $400 Hilton Resort Credit

  Get up to $200 in statement credits semi-annually for eligible purchases made directly with participating Hilton Resorts on your Hilton Honors Aspire Card. That's up to $400 back annually.

• Baggage Insurance Plan

  Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to a combined maximum of $3,000 for checked and carry-on Baggage, which includes up to $2,000 for checked Baggage and up to $1,000 for any High Risk Items such as jewelry and electronics, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.

• Car Rental Loss and Damage Insurance

  Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory.Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.

• Cell Phone Protection

  Fixing a cracked screen can be expensive. With Cell Phone Protection, you can be reimbursed, the lesser of, your cost to repair or replace your damaged cell phone, including a cracked screen, for a maximum of $800 per claim with a limit of 2 approved claims per 12-month period when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim.

• Complimentary Hilton Honors™ Diamond Status

  Enjoy even more perks as a Hilton Honors Diamond member, like a 100% Bonus on Base Points earned on stays, free Premium Wi-Fi and space-available room upgrades at select properties, executive lounge access, and more.

• One Free Night Reward after you spend $30,000 in purchases on your Card in a calendar year

Compare the Hilton Honors American Express Aspire against Hilton Honors American Express Surpass (3% on Dining, $150 fee); Hilton Honors Business (3% on Dining, $95 fee); Marriott Bonvoy Bevy™ American Express (2.8% on Dining, $250 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.

• Dining

• Hilton Honors American Express Surpass®American Express · 3% on dining
• Hilton Honors BusinessAmerican Express · 3% on dining
• Marriott Bonvoy Bevy™ American Express®American Express · 2.8% on dining
• Marriott Bonvoy Business®American Express · 2.8% on dining

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