
Hilton Honors American Express Aspire Credit Card
in Personal Credit Cards from American Express National Bank
ClaimedHilton Honors American Express Aspire Credit Card
in Personal Credit Cards from American Express National Bank
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Purchase APR (Variable APR) | 15.74% - 24.74% |
Balance Transfer APR (Variable APR) | 17.49% - 26.49% |
Credit Score Range | 750 - 850 |
Annual Fee | $450 |
Hilton Honors American Express Aspire Credit Card Review
Hilton Honors American Express Aspire Credit Card is a rewards credit card issued by American Express National Bank. If you're wondering whether Hilton Honors American Express Aspire Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.
- Generous reward rate. You will get a rewards rate of up to 14 points per dollar spent.
- Signup bonus. Offers a signup bonus of 150000 points after spending $4,000 within 3 months that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. Hilton Honors American Express Aspire Credit Card has a variable purchase APR that ranges from 15.74% up to 24.74%.
- 3% Balance transfer fee. Hilton Honors American Express Aspire Credit Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
- 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 rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
- Very good credit required. Applicants will typically need a credit score of at least 750 to qualify.
The Good | The Bad |
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Is there a Hilton Honors American Express Aspire Credit Card cash back or rewards program?
Hilton Honors American Express Aspire Credit Card offers a rewards program to its customers.
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 American Express Aspire Credit Card have a signup bonus?
Hilton Honors American Express Aspire Credit 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 American Express Aspire Credit Card offer an annual loyalty bonus?
Hilton Honors American Express Aspire Credit Card doesn't offer a cash loyalty bonus.What are the Hilton Honors American Express Aspire Credit Card benefits?
Hilton Honors American Express Aspire Credit Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Zero fraud liability
- Travel Accident Insurance
- Cellular Telephone Protection
- No blackout dates when redeeming miles
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Hilton Honors American Express Aspire Credit Card?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Hilton Honors American Express Aspire Credit Card has lower than average purchase APRs.Hilton Honors American Express Aspire Credit Card has a variable purchase APR that ranges from 15.74% up to 24.74%. The card has a variable balance transfer APR that ranges from 17.49% up to 26.49%. It also has a variable cash advance APR of 25.24% . Note that late payments are subject to an APR of 29.24% 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 American Express Aspire Credit Card have an introductory APR offer on balance transfers?
No, Hilton Honors American Express Aspire Credit Card does not come with an introductory APR offer for balance transfers.Does Hilton Honors American Express Aspire Credit Card have an introductory APR offer on new purchases?
Hilton Honors American Express Aspire Credit Card does not offer an introductory rate on new purchases.Description |
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What are the fees for Hilton Honors American Express Aspire Credit Card?
The following fees apply to Hilton Honors American Express Aspire Credit Card:
- There is no overlimit fee
Fees | Amount |
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Annual Fee | $450 |
Overlimit Fee | $0 |
Foreign Transaction Fee | 0% |
Returned Payment Fee | up to $40 |
Late Payment Fee | up to $40 |
Does Hilton Honors American Express Aspire Credit Card have a foreign transaction fee?
Hilton Honors American Express Aspire Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.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 American Express Aspire Credit Card
- Visit the Hilton Honors American Express Aspire Credit 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.
Contact
- Headquarters
-
World Financial Center
200 Vesey Street
New York, NY 10285 - Visit Site
Other Services by American Express National Bank

Availability
- Alabama
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Feature Breakdown
Every Purchase (Points) | Up to 3 |
Car Rentals (Points) | Starting at 7 |
Airfare (Points) | 7 |
Every Purchase (Points) | Earn 14x Hilton Honors bonus points when you make eligible purchases on your card at participating hotels or resorts within the Hilton portfolio. Earn 7x Hilton Honors bonus points on eligible purchases on your card for: flights booked directly with airlines or amextravel.Com, car rentals booked directly from select car rental companies and u.S. Restaurants. Earn 3x Hilton Honors bonus points on all other eligible purchases |
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