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  Hilton Honors American Express Aspire Credit Card
Hilton Honors American Express Aspire Credit Card Claimed

Hilton Honors American Express Aspire Credit Card

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Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 18.74% - 27.74%
(Verified 08/04/2023)
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee $450

Hilton Honors American Express Aspire Credit Card Review

This is a rewards card issued by American Express National Bank. If you're wondering whether Hilton Honors Aspire card is the right card for you, read on.

Key Takeaways

  • Generous reward rate. You can get a rewards rate of up to 14 reward points per dollar spent.
  • Earn 150,000 Hilton Honors Bonus Points after you spend $4,000 (the "Threshold Amount") on eligible purchases on your Card in your first 3 months of Card Membership.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.74% up to 27.74%.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, access to a concierge, emergency support, extended warranty protection on purchases, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Hilton Honors Aspire card

The Good The Bad
  • $250 Hilton resort statement credit each year
  • Enjoy one weekend night reward with new Hilton Honors American Express Aspire Card and every year after renewal
  • Relax with unlimited lounge visits for you and up to 2 guests per visit once enrolled in complimentary Priority Pass Select membership, which offers access to over 1,000 airport lounges around the world
  • With the Hilton Honors Aspire Card you can also take advantage of the $250 Airline Fee Credit for incidental charges that are charged by the airline to your Card
  • Multiple credit card perks.
  • Offers Auto Rental Collision Damage Waiver.
  • Access to a concierge.
  • Extended warranty on purchases.
  • Travel accident and travel assistance insurance.
  • Trip Cancellation and Interruption Protection.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Hilton Honors American Express Aspire Credit Card is accepted.
  • Hilton Honors American Express Aspire Credit Card reports to multiple credit bureaus.
  • There is a high annual fee of $450 to consider when applying. This card is mainly designed for person who has the need to travel often
  • Higher than average purchase APRs.
  • Charges an annual fee of $450

Hilton Honors Aspire card FAQ

Does Hilton Honors Aspire card have a cash back or rewards program?

Hilton Honors Aspire card is a travel rewards card.

Hilton Honors Aspire card Rewards
Minimum rewards rate 3x
Max rewards rate 14x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 150000
Signup Bonus Spend Requirement $4000
Signup Bonus Spend Period (months) 3 months

Does Hilton Honors Aspire card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 150000 points signup bonus after spending $4000 that can be redeemed for travel, gifts, or other perks.

Does Hilton Honors Aspire card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Hilton Honors Aspire card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Zero fraud liability
  • Travel Accident Insurance
  • Cell Phone Protection
  • No blackout dates when redeeming miles
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Hilton Honors Aspire card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Hilton Honors American Express Aspire Credit Card has a variable purchase APR that ranges from 18.74% up to 27.74%. It also has a variable cash advance APR of 28.24% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Hilton Honors Aspire card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Hilton Honors Aspire card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Hilton Honors Aspire card?

The following fees apply:

  • There is no overlimit fee
Hilton Honors American Express Aspire Credit Card Fees
Description
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee?
Annual Fee $450
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $40
Late Fee Amount Up to $40

This card charges a $450 annual fee.

Does Hilton Honors Aspire card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Hilton Honors Aspire card?

The Hilton Honors Aspire card customer service number is (800) 528-4800.

What is the support contact email for Hilton Honors Aspire card?

The support contact email for Hilton Honors Aspire card is info@americanexpress.com.

What is the Hilton Honors Aspire card login page?

You can access the Hilton Honors Aspire card login page here.

How do people rate the customer service and user experience of Hilton Honors Aspire card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Hilton Honors American Express Aspire Credit Card report your account activity to credit bureaus?

Yes, Hilton Honors American Express Aspire Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Hilton Honors Aspire card

  • Visit the Hilton Honors Aspire card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday 7:00am - 12:00pm
  • Monday 7:00am - 12:00pm
  • Tuesday 7:00am - 12:00pm
  • Wednesday 7:00am - 12:00pm
  • Thursday 7:00am - 12:00pm
  • Friday 7:00am - 12:00pm
  • Saturday 7:00am - 12:00pm

Other Services by American Express National Bank

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
Annual Fee $450
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Cellular Telephone Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Concierge
  • Trip Cancellation Insurance
Bonus Offer Earn 150,000 Hilton Honors Bonus Points after you spend $4,000 (the "Threshold Amount") on eligible purchases on your Card in your first 3 months of Card Membership.
Annual Airline Credit Up to $250
No Blackout Dates
Rewards Rates
  • Airfare
  • Car Rentals
  • Hotels
  • Every Purchase
Signup Bonus (points) 150,000
Cash Advance APR (Variable APR) 28.24%
APR Type Variable APR
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 18.74% - 27.74%
(Verified 08/04/2023)
Card Type
  • Rewards
  • Travel
  • Airline
  • Bonus Offers
Card Network American Express

Hilton Honors American Express Aspire Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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