Hilton Honors American Express Aspire Credit Card
in Personal Credit Cards from American Express National Bank
ClaimedHilton Honors American Express Aspire Credit Card
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| Purchase APR (Variable APR) | 15.74% - 24.74% |
| Balance Transfer APR (Variable APR) | N/A |
| Credit Score Range | 750 - 850 |
| Annual Fee | $450 |
Hilton Honors American Express Aspire Credit Card Review
This is a rewards credit card issued by American Express National Bank. If you're wondering whether Hilton Honors Aspire card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
Key Takeaways
- Generous reward rate. You will get a rewards rate of up to 14 reward 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%.
- 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 have good approval odds.
Pros & Cons of Hilton Honors Aspire card
| The Good | The Bad |
|---|---|
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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.
| 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. It has lower than average regular APRs.It has a variable purchase APR that ranges from 15.74% up to 24.74%. 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 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
| Fees | Amount |
|---|---|
| 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 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.
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.
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Contact
- Headquarters
-
World Financial Center
200 Vesey Street
New York, NY 10285 - (800) 528-4800
- Visit Site
- Email Support
Other Services by American Express National Bank
View all personal credit cards offered by American Express National Bank
Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- 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
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Foreign Currency Transaction Fee | 0% |
| No Foreign Transaction Fee | |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | Up to 5% |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Annual Fee | $450 |
| Returned Payment Fee | Up to $40 |
| Late Fee Amount | Up to $40 |
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