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.

• 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.

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.

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

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.

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 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.