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  Hilton Honors American Express Aspire Credit Card

Hilton Honors American Express Aspire Credit Card

in Personal Credit Cards from American Express National Bank

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Hilton Honors American Express Aspire Credit Card

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Highlights
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.

Key Takeaways
  • 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.
Hilton Honors American Express Aspire Credit Card Pros & 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
  • Lower than average purchase APRs.
  • 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 insurance.
  • 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
  • Requires good to excellent credit.
  • Charges an annual fee of $450
  • Charges a 3% balance transfer fee.
Hilton Honors American Express Aspire Credit Card FAQ

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.

Hilton Honors American Express Aspire Credit 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 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.
Hilton Honors American Express Aspire Credit Card Purchase Intro Offer
Description

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
Hilton Honors American Express Aspire Credit Card Fees
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 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.

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.

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

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
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 $10
Cash Advance Fee (%) 5%
Minimum Cash Advance Fee ($) Up to $10
Annual Fee $450
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)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 750 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Concierge
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Annual Airline Credit Up to $250
No Blackout Dates
Rewards Categories
  • Every Purchase
  • Hotels
  • Airfare
  • Car Rentals
Signup Bonus (points) 150,000
Cash Advance APR (Variable APR) 25.24%
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 29.24%
Purchase APR (Variable APR) 15.74% - 24.74%
Balance Transfer APR (Variable APR) 17.49% - 26.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Travel
  • Bonus Offers
Card Network American Express

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