Amex
Hilton Honors Aspire
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Card review
Hilton Honors Aspire
Amex
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$550
Welcome bonus
See issuer
Est. net value
$1,296/yr
Credit score
Varies
Top earn rate
14x everything else
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Hilton Honors Aspire from Amex carries a $550 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $575.28 in rewards plus $1,271.00 in credits and perks — $1,296.28 net per year before welcome bonuses.
How the points work
14X at Hilton hotels and resorts
7X on flights booked directly with airlines or amextravel.com
7X on car rentals booked directly from select car rental companies
7X at U.S. restaurants
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| Everything elseHilton | 14× |
| Everything elseAirfare | 7× |
| DiningU.S. Restaurants | 7× |
| Everything elseCar rentals | 7× |
| Everything elseAll Purchases | 3× |
Credits & benefits
Statement credits and perks we model in net-value calculations.
Credits
- Property$100/yr
$100 credit per booking for a two-night minimum stay at Waldorf Astoria Hotels & Resorts, and Conrad Hotels & Resorts. Can be used for purchases like spa treatments, dining, etc.
- Resort$400/yr
Recieve (2) $200 semi-annual statement credit (January through June; and July through December) to use directly with a participating Resort in the Hilton portfolio. Up to $400 credit annually. Visit hilton.com/resorts for the list of participating Hilton Resorts.
- CLEAR$189/yr
$189 statement credit to CLEAR membership each calendar year.
- Airline (New)$200/yr
Recieve (4) $50 annual credit each quarter to be used on airline incidental purchases like baggage fees, change fees, etc. with a chosen US airline. Issued every quarter. Activation required.
Benefits & perks
- Free Night $175/yr
Annual free weekend night reward that can be used on even the most expensive Hilton properties.
- Diamond Status
Get benefits like a 100% bonus on base points, free breakfast for two, lounge access, upgrades, premium internet, and a 48-hour room guarantee.
- Free Night (w/ spend)
Spend $60,000 in a calendar year and earn a Free Weekend Night Reward.
- Free Night (earned)$175/yr
Annual free weekend night reward that can be used on even the most expensive Hilton properties.
- Priority Pass $32/yr
Get lounge access for you and up to two guests for free. (No restaurant credits)
- ShopRunner
Free membership to ShopRunner. Free two-day shipping, free return shipping, special deals and discounts at select retailers.
- Amex Concert Benefits
Access to presales for advance ticket purchases and special preferred seating through Ticketmaster.
- Auto Purchasing Program
Find TrueCar certified dealerships that allow you to purchase vehicles with your card and get special discounts and other perks.
- Amex Offers
Promotions and discounts offered exclusively to card holders.
- Amex Travel
Online travel portal that allows you to book various forms of travel including: flights, hotels, rental cars, cruises, and vacation packages.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
- Annual fee
- −$550
- Stated credits
- +$889
- Perks (est.)
- +$382
- Net after credits & perks
- $721
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
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Side by Side Compare
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Is the Annual Fee Worth it?
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Points & Miles → $ Converter
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Awards vs Cash Calculator
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Transfer Partner Calculator
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Reward calculator
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $550 per year.