American Express · Amex
Hilton Honors Aspire
Hilton Loyalists
$550 annual fee up to $819/yr in credits if you use them
Why people consider it
- 14x on Hilton.
- 7x on Flights.
- 7x on Car Rental.
Limited-time offer
Ends 2027-01-13
Welcome offer: 200,000 points≈ $1,000 at our typical valuation
Requirement: Spend $6,000 in 6 months
Tell us what you normally spend and we’ll check it against this requirement. Find a card →
Current offer shown; issuer determines eligibility.
Details: 200,000 Hilton Honors points after $6,000 spend in 6 months (offer through 2027-01-13). Amex welcome offers vary by applicant.
Recommended credit score: 720+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
Calculate my rewards → Enter your monthly spending and see exactly how much this card would earn you compared to every other card we track. Already carry it? Add it to My Cards →
Is this card worth it?
Ongoing value
$415/year
for the sample household ($4,800/month) · points at typical value
First-year value
$1,415 first year
Includes: +$1,000 welcome offer (200,000 points at our typical value)
$1,000 is one-time. $415/year is ongoing.
To earn the bonus: spend $6,000 in 6 months.
Offer verified: Nov 4, 2026
Worth considering if you already want this type of card.
- Full annual fee:
- $550, charged in full — credits count only if you use them
- Major trade-offs:
- Hilton points worth only ~0.5¢ Credits require active use
- Against a no-fee alternative:
- We'd choose the $0-fee option. Citi Double Cash nets as much as Hilton Honors Aspire on this spending, with no fee to earn back. (The sample household; run your own numbers.)
Detailed research
Full reward table and category caps
Hilton purchases
Flights booked direct (airline or Amex Travel)
Car rentals from select companies
U.S. restaurants
Optional benefits and credits
Credits — if you use them
Up to $200 semi-annually at Hilton resorts — use for room charges, spa, dining
Up to $50/quarter on flights booked direct with an airline or via Amex Travel
Up to $219/year toward a CLEAR Plus membership — pay with your card
Perks (not counted in our math)
One free night annually at any Hilton property — no cap
Automatic — Hilton's highest tier: executive lounge, breakfast, suite upgrades
Approval and bonus eligibility caveats
Recommended credit score: 720+ — the issuer decides every application.
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on American Express's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
Pros
- + Free night with no cap — can be used at any Hilton worldwide
- + Automatic Diamond status (highest Hilton tier)
- + $400 resort credit + $200 airline credit = $600 in credits
- + Resort and airline credits are real value if Hilton stays and flights are already in your year — never a discount on the fee
- + 14x on Hilton stays
Cons
- - Hilton points worth only ~0.5¢
- - Credits require active use
- - Diamond status less valuable without Hilton stays
- - Amex acceptance issues abroad
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.