Hilton Honors American Express Aspire Credit Card

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.

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 after you spend $4,000 (the "Threshold Amount") on eligible purchases on your Card in your first 3 months of Card Membership.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.74% up to 27.74%.
• 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.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Hilton Honors Aspire card

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.

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?

Hilton Honors American Express Aspire Credit Card has a variable purchase APR that ranges from 18.74% up to 27.74%. It also has a variable cash advance APR of 28.24% . 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 fees for Hilton Honors Aspire card?

The following fees apply:

• There is no overlimit fee

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.