Last Updated: 08/15/2025
Hilton Honors American Express Aspire Credit Card
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Last Updated: 08/15/2025
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Highlights
Purchase APR (Variable APR)
20.24% - 29.24%(Verified 08/15/2025)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A(Verified 08/15/2025)
Credit Score Range
N/A
Annual Fee
$550
Hilton Honors American Express Aspire Credit Card Review
This is a travel 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.
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 with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 20.24% up to 29.24%.
- 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.
Pros & Cons of Hilton Honors Aspire card
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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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Airfare | Up to 7 x points (Airfare on a scheduled flight charged directly with passenger airlines or amextravel.com (charter flights and private jet flights are excluded)) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Car Rentals | Up to 7 x points (Purchases directly from select major car rental companies listed at americanexpress.com/rewards-info) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Hotels | 3 x points - 14 x points (Receive 11 additional Hilton Honors Bonus Points, for a total of 14, for each dollar of eligible purchases charged directly with a property within the Hilton portfolio, including bookings and incidental charges. To receive the 11 additional Hilton Honors Bonus Points for charges made at the time of booking, the booking must be made directly through a reservation channel operated by Hilton.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Restaurants | 7 x points (Restaurants located in the U.S.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 3 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Hilton Honors Aspire card have a signup bonus?
Yes. Earn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.
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?
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
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Hilton Honors American Express Aspire Credit Card has a variable purchase APR that ranges from 20.24% up to 29.24%. Hilton Honors American Express Aspire Credit Card does not offer balance transfers. It also has a variable cash advance APR of 29.49% .
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. Hilton Honors American Express Aspire Credit Card does not offer 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $550 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $550.
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 customer service number for Hilton Honors Aspire card 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 login page for Hilton Honors Aspire card?
You can access the login page of Hilton Honors Aspire card 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 to the following credit bureaus:
- 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 build your credit.
Does American Express® National Bank perform a hard credit pull?
Yes, Hilton Honors Aspire card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Hilton Honors Aspire card
- Visit the website of Hilton Honors Aspire card.
- 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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Hours of Operation
Sunday
7:00AM - 12:00AM
Monday
7:00AM - 12:00AM
Tuesday
7:00AM - 12:00AM
Wednesday
7:00AM - 12:00AM
Thursday
7:00AM - 12:00AM
Friday
7:00AM - 12:00AM
Saturday
7:00AM - 12:00AM