Hilton Honors American Express Aspire Card Review

Hilton Honors American Express Aspire Card is a rewards credit card issued by American Express National Bank. If you're wondering whether Hilton Honors American Express Aspire Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

• Generous reward rate. You will get a a rewards rate of up to 14x.
• 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.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.49% up to 26.49%.
• 3% Balance transfer fee. Hilton Honors American Express Aspire 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.
• $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you 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, travel accident insurance, travel assistance, and fraud protection.
• Very good credit required. Applicants will typically need a credit score of at least 750 to qualify.

Hilton Honors American Express Aspire Card Pros and Cons:

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. No foreign transaction fee. Cardholders can earn rewards on every purchase. Earn rewards on every purchase. Hilton Honors American Express Aspire Card reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.

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. Requires good to excellent credit. Charges an annual fee of $450 Charges a 3% balance transfer fee.

Is there a Hilton Honors American Express Aspire Card cash back or rewards program?

Hilton Honors American Express Aspire Card offers a rewards program to its customers.

Hilton Honors American Express Aspire Card Rewards

Rewards rate (all purchases)	3%
Max rewards rate	14%
Annual rewards limit	N/A
Signup Bonus ($)	N/A
Signup Bonus (Points/Miles)	150000
Signup Bonus Spend Requirement	$4000
Signup Bonus Spend Period (months)	3 months

What are the Hilton Honors American Express Aspire Card benefits?

Hilton Honors American Express Aspire Card provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• 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 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 Card has higher than average purchase APRs.

Hilton Honors American Express Aspire Card has a variable purchase APR that ranges from 17.49% up to 26.49%. 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 26.99% . 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.

What are the Hilton Honors American Express Aspire Card fees?

The following fees apply to Hilton Honors American Express Aspire Card:

• There is no overlimit fee

Hilton Honors American Express Aspire Card Fees

Fees	Amount
Annual Fee	$450
Overlimit Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $39
Late Payment Fee	up to $39

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

Hilton Honors American Express Aspire 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 can help improve your credit score.

How to apply for Hilton Honors American Express Aspire Card

• Visit the Hilton Honors American Express 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.