Hilton Honors American Categorical Aspire Card overview
The Hilton Honors American Categorical Aspire Card is a premium resort bank card loaded with top-tier advantages. It comes with Hilton Diamond standing for so long as you’ve the cardboard, and you may earn 14 factors per greenback at taking part Hilton accommodations. With it, you may additionally rise up to $200 in assertion credit for eligible airline purchases (as much as $50 every quarter) and as much as $400 in Hilton resort assertion credit each calendar 12 months (as much as $200 semi-annually). Card Score*: ⭐⭐⭐⭐½
*Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
Though Hilton Honors has sky-high award evening costs, the credit and complimentary Diamond standing make the Hilton Honors American Categorical Aspire Card an amazing choose for those who keep at Hilton properties recurrently.
To assist justify its $550 (see charges and charges) annual charge, the Hilton Amex Aspire presents Hilton property credit of as much as $400 (as much as $200 semi-annually) and $200 in assertion credit for flight purchases each calendar 12 months (as much as $50 every quarter), automotive rental elite standing and Hilton Diamond standing.
Even with the cardboard’s vital annual charge, the advantages simply outweigh the fee, together with an annual free evening reward legitimate at almost any Hilton property. There aren’t too many resort bank cards with all of those perks tied to a single card. Your probabilities for approval are finest when you’ve got a credit score rating of 700 or greater.
This is all the pieces you have to know in regards to the Hilton Amex Aspire.
The knowledge for the Hilton Amex 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.
Hilton Aspire professionals and cons
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Hilton Aspire welcome supply
With the Hilton Amex Aspire’s present welcome supply, new cardmembers can earn 175,000 bonus factors after spending $6,000 in purchases on the cardboard throughout the first six months of cardmembership. Provide ends Jan. 8, 2025.
These 175,000 factors are worthwhile — value $1,050, in keeping with TPG’s September 2024 valuations.
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That is fairly near the very best supply we have seen, and it meets our standards for when to use for the cardboard. Do not forget that Amex solely means that you can earn one bonus per card in a lifetime, so it is essential to use for a card when it has its best-ever welcome supply (or near it).
Associated: The award vacationers information to Hilton Honors
Hilton Aspire advantages
There are lots of perks and worth packed into this cobranded card:
- Hilton Honors Diamond standing: So long as your card account is open, you may obtain Hilton Diamond elite standing for the first cardmember. Diamond standing can add vital worth because of the fifth-night-free profit, bonus factors, lounge entry, complimentary breakfast and space-available room upgrades you may get with it.
- As much as three reward nights: Obtain one evening at virtually any Hilton property worldwide after opening your account and in your cardmember anniversary annually. Earn a second evening after spending $30,000 on the cardboard in a calendar 12 months and a 3rd evening after spending $60,000 on the cardboard in a calendar 12 months.
- As much as $400 in Hilton resort assertion credit: Throughout every calendar 12 months, you may obtain as much as $400 (as much as $200 semi-annually) in assertion credit for eligible purchases at eligible Hilton resorts. That $400 can be utilized on eating, actions, spa therapies, room charges and taxes.
- As much as $200 in annual airline charge credit every calendar 12 months: Obtain as much as $50 in assertion credit every calendar quarter for airfare purchases on flights bought straight from the airline or by means of AmexTravel.com.
- As much as $100 Hilton on-property credit score: If you ebook a minimum of a two-night paid keep at taking part Waldorf Astoria or Conrad properties by means of hiltonhonorsaspirecard.com (or over the cellphone at 855-292-5757), you may obtain a credit score of as much as $100 for incidentals throughout your keep.
- Clear Plus membership: Obtain as much as $199 in assertion credit per 12 months if you join a Clear Plus membership and pay together with your Hilton Aspire card.
- Rental automotive elite standing: Obtain complimentary Nationwide Automotive Rental Emerald Membership Government standing after enrollment within the Emerald Membership program (phrases apply).
- Cellphone safety*: Card members might be reimbursed for repairing or changing a broken or stolen machine for a most of $800 per declare when the wi-fi invoice for the particular cellphone line is paid utilizing the Hilton Aspire card. There’s a restrict of two accepted claims inside a 12-month interval, and every declare has a $50 deductible.
Enrollment is required for choose advantages; phrases apply.
The cardboard additionally carries some journey protections, together with journey delay reimbursement* (when your flight is delayed by greater than six hours) and journey cancellation and interruption insurance coverage.*
Lastly, the Hilton Aspire has no international transaction charges (see charges and charges).
*Eligibility and profit stage varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
Incomes factors on the Hilton Aspire
The cardboard makes it straightforward to get a excessive stability in your Hilton Honors account, which you may want if you would like to get pleasure from luxurious or peak-season properties with Hilton Honors award nights.
The Hilton Amex Aspire card presents 14 factors per greenback spent at accommodations within the Hilton portfolio. In keeping with TPG’s September 2024 valuation of Hilton factors at 0.6 cents per level, that is equal to an 8.4% return on spending.
You will additionally earn 7 factors per greenback (a 4.2% return) on flights booked straight with airways or by means of AmexTravel.com, automotive leases booked straight from choose automotive rental corporations and at U.S. eating places.
Lastly, you may earn 3 factors per greenback (a 1.8% return) on all different spending with the cardboard.
Associated: Finest bank cards for Hilton stays
Redeeming factors on the Hilton Aspire
Hilton offers you a lot choices when it comes time to make use of your factors. We propose utilizing them for traditional award nights to get the very best worth, however it’s also possible to redeem them for merchandise, reward playing cards, premium room redemptions and airline transfers (at a roughly 10:1 ratio).
Though you may’t be totally positive what number of factors an award evening will value because of Hilton’s variable award charts, you should utilize Hilton’s Factors Explorer to get a tough thought of what number of factors your required property will value.
You may also use your factors to subsidize paid stays with the Factors & Cash choice, which may get you as much as 1 cent per level off your whole room invoice when selecting costly Hilton properties.
TPG director of journey content material Eric Rosen utilized the fifth-night-free profit to maximise the worth of his factors in a latest keep on the Waldorf Astoria Los Cabos Pedregal. Commonplace award nights have been accessible for 120,000 factors every on the time of his keep.
Using his fifth-night-free profit, he paid simply 480,000 factors for his five-night keep there and saved $720 value of Hilton factors, in keeping with our valuations.
Associated: maximize Hilton redemptions
Which playing cards compete with the Hilton Aspire?
If you would like a card that carries a decrease annual charge or earns a unique sort of rewards, one in all these choices is likely to be a greater match:
For extra choices, take a look at our checklist of the finest resort playing cards and finest American Categorical playing cards.
Associated: Hilton Surpass vs. Hilton Aspire
Backside line
The Hilton Honors American Categorical Aspire Card gives unimaginable worth to even a semi-frequent Hilton buyer. This can be a nice premium product if you do not have one other equally positioned card.
Whereas its $550 annual charge may appear steep, it comes with a worthwhile welcome supply, annual free evening certificates, computerized elite standing and a number of assertion credit (enrollment is required for choose advantages; phrases apply). In case you can make the most of all or most of those advantages, you may simply justify the Hilton Aspire’s annual charge.
Nevertheless, for those who do not stay at Hilton properties usually sufficient to get a lot worth from these advantages, you may be higher off going a unique route.
Associated: How to decide on a resort bank card
For charges and charges of the Hilton Aspire Card, click on right here.
For charges and charges of the Hilton Surpass Card, click on right here.
For charges and charges of the Amex Platinum, click on right here.
