Hilton Honors American Express Aspire Card Review

The Hilton Honors American Express Aspire Card is a premier travel rewards credit card issued by American Express, designed for those who frequently stay at Hilton hotels and seek generous rewards on their travel expenditures. With its robust rewards program, exceptional benefits, and premium services, this card is a preferred choice for travelers aiming to maximize their rewards and enhance their travel experience.

Card Type

The Hilton Honors American Express Aspire Card is a co-branded travel rewards credit card. It is specifically tailored to frequent travelers who regularly stay at Hilton properties and are looking to earn points that can be redeemed for hotel stays, upgrades, and other travel-related expenses.

Annual Fee

This card comes with an annual fee of $450. While this fee may seem high, the card offers numerous benefits and perks that can easily offset the cost for regular cardholders.

Rewards Program

The Hilton Honors American Express Aspire Card features an enticing rewards structure. Cardmembers earn:

• 14x points on eligible purchases at Hilton hotels.
• 7x points on flights booked directly with airlines or on amextravel.com, as well as select car rental and restaurant purchases.
• 3x points on all other purchases.

Points earned through this card can be redeemed for hotel stays, travel experiences, and more within the Hilton Honors program, making it a valuable option for those interested in travel rewards.

Sign-Up Bonus

New applicants can earn a lucrative welcome bonus of 150,000 Hilton Honors Bonus Points after spending $4,000 on purchases in the first three months from account opening. This bonus can be redeemed for several free nights at Hilton hotels, providing excellent value right from the start.

APR (Annual Percentage Rate)

The card features a standard APR of 18.24% to 25.24% variable, depending on your creditworthiness. There are no introductory APR offers currently available for purchases or balance transfers.

Foreign Transaction Fees

Traveling abroad with the Hilton Honors American Express Aspire Card is hassle-free, as it charges no foreign transaction fees. Cardholders can use their card around the globe without worrying about additional fees for purchases made outside of the United States.

Balance Transfer Options

Currently, the card does not offer any promotional balance transfer options, such as 0% APR offers for new transfers. However, it is advisable to consult the latest American Express offerings, as they periodically adjust terms.

Additional Fees

Other fees associated with the Hilton Honors Aspire Card include:

• Late payment fee: Up to $39
• Cash advance fee: Either $5 or 3% of the amount of each cash advance, whichever is greater

Cardholders should review these fees to avoid unexpected charges.

Card Benefits and Perks

The Hilton Honors American Express Aspire Card is packed with benefits, including:

• Complimentary Diamond Status in Hilton Honors.
• Free Weekend Night Reward after your first card anniversary, allowing a complimentary night at Hilton hotels.
• Priority Pass Select membership for access to over 1,300 airport lounges worldwide.
• Travel insurance covering various travel-related incidents.

These benefits enhance the travel experience for cardholders dramatically.

Customer Protections and Insurance

The card offers extensive customer protections, such as:

• Fraud liability protection, ensuring that cardholders are not held responsible for unauthorized purchases.
• Purchase protection, covering eligible purchases against loss or damage for a limited time.
• Rental car insurance, which provides coverage for eligible rental vehicles.

These protections provide additional peace of mind when using the card.

Eligibility and Credit Score Requirements

To qualify for the Hilton Honors American Express Aspire Card, applicants typically need a credit score in the range of 690 to 850 (considered good to excellent). Meeting other criteria, such as income stability and creditworthiness, may also impact the approval process.

Introductory Offers

As of now, there are no introductory low-APR offers available for this card. New cardholders can focus on maximizing the sign-up bonus and ongoing rewards structure instead.

Special Features and Unique Selling Points

One of the standout features of the Hilton Honors American Express Aspire Card is the free night reward that cardholders receive after their first anniversary. This unique offer, combined with complimentary Diamond Status and extensive points earning potential, makes the card one of the top choices for Hilton patrons.

How to Apply

Applying for the Hilton Honors American Express Aspire Card is straightforward. Interested individuals can apply online through the official American Express website. To begin your application, click UpCube.net for more financial insights and tips.