Hilton Honors Aspire Card Review: Worth The Fee

Hilton Honors Aspire Card Review: Worth The Fee

Hilton Honors American Express Aspire Card Earn 150,000 Hilton Honors Bonus Points | $450
Hilton Honors American Express Aspire Card Earn 150,000 Hilton Honors Bonus Points | $450
14x Points At Hilton Hotels
Hilton Honors Diamond Status
Annual Free Weekend Night Reward
The card details for the Hilton Honors American Express Aspire Card have been collected independently by OMAAT and have not been reviewed or provided by the card issuer.
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Hotel credit cards are among the most underrated credit cards out there, in my opinion, given the perks that they potentially offer, from elite status to free night certificates.

While I’m primarily loyal to Hyatt and Marriott, Hilton has grown on me a lot in the past few years. Many new luxury hotels have joined the Hilton portfolio, and it’s also easy to earn top tier status with the Honors program, thanks to the credit card that I’m about to talk about in more detail.

While Hilton has several co-branded Amex cards, in this post I wanted to share a detailed review of the most premium card, which is disproportionately rewarding.

Amex Hilton Aspire Card Basics For January 2022

The Hilton Honors American Express Aspire Card is one of the highest annual fee hotel credit cards, but it’s also one of the most generous. Regardless of whether you’re a Hilton loyalist or not, this card almost certainly should be in your wallet if you know how to extract value from it.

Let’s talk about why the card is worth it, and what specifically you should be using it for.

150,000 Bonus Hilton Honors Points

The Hilton Aspire Card offers a welcome bonus of 150,000 Hilton Honors points, after spending $4,000 within the first three months. For context, I value Hilton Honors points at ~0.5 cents each, meaning that I value the 150,000 points at ~$750. That’s an excellent bonus, especially when you consider how much value this card can offer in the long run.

Redeem your points at the Waldorf Astoria Los Cabos Pedregal

Eligibility For Welcome Bonus & Amex Application Restrictions

The welcome offer on the Hilton Aspire Card is not available to those who currently have or who have had the Hilton Aspire Card. However, you are eligible for the bonus if you’ve had any of the other Hilton Amex cards, including the Hilton Honors American Express Surpass® Card and the Hilton Honors American Express Business Card. I find that Amex cards are fairly easy to be approved for, for those with excellent credit.

Just keep in mind Amex’s general card application rules:

  • You can be approved for at most two Amex credit cards in a 90 day period
  • You can have at most five Amex credit cards at any point

Both of those limitations are specific to credit cards, and don’t include Amex charge or hybrid cards.

Hilton Aspire $450 Annual Fee

The Hilton Aspire Card has a $450 annual fee. The annual fee isn’t waived for the first year, and you can add authorized users to the card at no extra cost (though authorized users don’t get most of the great perks offered by the card, other than earning points at the same rate as the primary cardmember).

Earning Points With The Hilton Aspire Card

The Hilton Aspire Card offers bonuses on spending in some useful categories. The card offers 3-14x points per dollar spent, depending on what categories you’re spending money in.

That sounds like a lot of points, though not all points currencies are created equal. So in which of those categories should you be spending money on the card?

14x Points At Hilton Hotels

The Hilton Aspire offers 14x Hilton Honors points for spending at Hilton properties globally. This includes all Hilton brands, from Hampton Inn to Waldorf Astoria.

I value Hilton points at ~0.5 cents each, so to me, that’s like a 7% return on hotel spending, which is excellent. The Hilton Aspire Card is the best credit card for Hilton hotel spending.

7x Points Bonus Categories

The Hilton Aspire offers 7x Hilton Honors per eligible dollar spent in the following categories, with no caps:

  • Flights booked directly with airlines or amextravel.com
  • Car rentals booked directly with select car rental companies
  • US restaurants

I value 7x Hilton Honors points at the equivalent of a ~3.5% return. Those are some pretty good bonuses, though keep in mind there are other good cards for airfare and restaurant spending.

Earn 7x Honors points on flight purchases

3x Points On Other Purchases

The Hilton Aspire offers 3x points on all other eligible purchases, which I value at a return of ~1.5%. I’d argue there are better cards for everyday spending.

No Foreign Transaction Fees

The Hilton Aspire Card has no foreign transaction fees, so it’s an excellent card for purchases abroad, especially for stays at Hilton properties abroad.

Hilton Aspire Card Benefits

The real reason to get the Hilton Aspire Card is because of the incredible long-term perks it offers, which should more than offset the annual fee year after year. I’m currently in my fourth year of card membership, and I’ve gotten such outsized value from the card.

Why is the Hilton Aspire Card worth it? Let’s take a closer look at the benefits (see this post for a rundown of the benefits I consider to be most valuable, and see this post for an in-depth look of how these benefits work):

Hilton Honors Diamond Status

Just for having the Aspire Card, you receive complimentary Hilton Honors Diamond status. This is Hilton’s top tier status, so it’s pretty incredible to get that just for having a credit card. Hilton Honors Diamond comes with the following perks, among other things:

  • Free breakfast and/or executive lounge access (in the United States you currently receive a food & beverage credit)
  • Room upgrades, which may include standard suites, subject to availability
  • Late check-out, subject to availability
  • 100% points bonus
  • Fifth night free on award stays

As is the case with all hotel programs, the treatment you’ll receive will vary depending on where in the world you are. I’ve found Diamond recognition to be excellent in Asia, for example, while it’s generally hit or miss in the United States.

I’ve received suite upgrades as a Hilton Honors Diamond member

Annual Free Weekend Night Reward

Just for having the Hilton Aspire Card you receive a free weekend night reward every year that correlates to your account anniversary. You even receive this in the year that you get your card.

This could get you a stay at a property costing up to 150,000 points per night. Personally I value this certificate alone at more than $450, and I’ve used my last several certificates at the Waldorf Astoria Los Cabos PedregalWaldorf Astoria Beverly Hills, and Conrad Bora Bora Nui.

I’ve used my free night certificate at the Waldorf Astoria Beverly Hills

How The Hilton Weekend Night Reward Works

Here are some basic things to know about the weekend night reward offered by the Hilton Aspire Card:

  • It’s issued within 8-12 weeks of when you open the card and the account anniversary
  • It’s valid for stays up to a year from when it’s issued
  • It can be redeemed for one weekend night in standard accommodation
  • There’s a small list of excluded properties
  • A weekend night is defined as Friday, Saturday, or Sunday night
  • While you can view your free night certificate online, you have to call 1-800-446-6677 to actually make your booking
Redeem your weekend night reward at the Conrad Bora Bora

$250 Annual Hilton Resort Credit

For having the Hilton Aspire Card you receive a $250 statement credit for eligible purchases made directly with Hilton resorts using your card. This is based on your cardmember year (which is calculated as the 12 month period following when you open the card, and so on). See this link to find all participating resorts.

There’s no registration required to activate this perk, and virtually any spending at a participating resort will be eligible. This includes the room rate, incidentals, dining, spa services, etc. As long as you spend just $250 per year on the card at Hilton resorts, you should be able to make full use of this benefit.

Use your Hilton resort credit for a spa treatment

$250 Annual Airline Fee Credit

For having the Aspire Card you receive a $250 airline fee credit every calendar year. This follows a strict calendar year definition, meaning you get one credit through December 31, and then another credit as of January 1 of the following year.

You have to specifically designate an airline on which you want this credit to apply (if you’re an existing cardmember you need to do this in January of each year), with the choice between Alaska, American, Delta, Frontier, Hawaiian, JetBlue, Southwest, Spirit, and United.

Per the terms, the annual airline credit can be used for purchases made directly with airlines, excluding the following:

Airline tickets, upgrades, mileage points purchases, mileage points transfer fees, gift cards, duty free purchases, and award tickets are not deemed to be incidental fees.

A $250 airline fee credit can go a long way

Complimentary Priority Pass Membership

Just for having the Hilton Aspire Card you receive a Priority Pass membership, getting you access to 1,300+ lounges around the world. You can even bring two guests with you into lounges. Note that Priority Pass restaurants are excluded from this benefit.

Visit Priority Pass lounges with the Hilton Aspire

$100 Hilton On-Property Credit

The Hilton Aspire Card also offers a $100 on-property credit at Waldorf Astoria and Conrad when you book stays of at least two nights with an eligible rate through this page.

Personally, I don’t consider that to be so valuable. Why?

  • You have to book a specific rate, so points stays, discounted member rates, etc., don’t qualify
  • Most of these hotels also belong through Hilton Impresario or Virtuoso, which offers a similar credit and more

ShopRunner Membership

For having the Hilton Aspire Card you get a ShopRunner membership, which gets you free two-day shipping on eligible items at a network of 100+ online stores. You just have to enroll in your complimentary membership and can then start taking advantage of it.

Amex Offers

One of my favorite features of Amex cards is access to Amex Offers, which offers savings on purchases with all kinds of retailers. There’s huge value to be had in getting as many Amex cards as possible, so that you can get these offers on multiple cards.

Amex Offers could save you hundreds of dollars per year. You can access these offers by logging into your account and scrolling down to the bottom of your account summary page.

Is The Hilton Aspire Card Worth It?

Hilton is one of the largest hotel groups in the world, and the Hilton Aspire Card is an incredible card that comes in handy for those instances where I want to stay at a Hilton property.

For example, I’ve consistently redeemed the weekend free night certificate at properties retailing for well over $450 per night, so in and of itself that covers the annual fee. In 2021 I used my certificate at the Waldorf Astoria Los Cabos Pedregal, which would have retailed for over $1,400 per night. Add in the $250 resort credit, $250 airline fee credit, and Hilton Honors Diamond status (among other perks), and this card really is too good to be true.

That being said, personally this is a card that I would get for the perks, rather than a card I would actually spend a lot of money on, as there are better cards for that.

Card Showdown: Hilton Aspire Vs. Hilton Surpass

I know some people try to decide between the $450 annual fee Aspire card and the $95 annual fee Hilton Honors American Express Surpass® Card. How do the two cards compare?

Personally, I think the $450 annual fee card is worthwhile, though for many people only occasionally staying at Hiltons, the $95 annual fee Surpass Card might be worthwhile as well.

The Hilton Surpass Card offers:

  • Hilton Honors Gold status for as long as you have the card
  • Hilton Honors Diamond status when you spend $40,000 on the card in a calendar year
  • A weekend night reward when you spend $15,000 on the card in a calendar year

Many people are put off by a $450 annual fee card, so for those people, this is perhaps a more manageable option.

Bottom Line

The Hilton Aspire Card is one of the most rewarding hotel credit cards out there. While the card has a $450 annual fee, it offers some truly incredible perks, including top tier Hilton Honors Diamond status, a weekend night reward annually, and up to $500 in credits annually ($250 for airline fees, and $250 for Hilton resorts).

To say that I’ve gotten outsized value from this card would be an understatement. This continues to be my single favorite hotel credit card, and I think that those who don’t have it are missing out.

If you want to learn more about the Hilton Aspire Card or apply, follow this link.

Conversations (11)
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  1. Pam Guest

    The Woodlands Resort joined Curio 1.4.22 AND is eligible for the resort credit. Such a very nice property north of Houston, definitely worth a free night redemption. Reno slated for 2nd Qtr this yr.

  2. LSP New Member

    I downgraded from Aspire to the no annual fee Hilton card last year. Any idea if I'll get a free night certificate if/when I product change back to Aspire (I assume I can do this without a new application)? Thanks!

  3. Josh Guest

    Since covid they have been letting you use the "weekend" night award any night of the week.

  4. Anthony Diamond

    The card would have been worth it for me last year as I did spend some time at a Hilton resort. But I may not do that every year, and I value airline fee credit / priority pass at zero, so uncertain how much I would actually use the card. Also, a lot of my free nights from other cards are piling up due to difficulty of use (though admittedly Hilton’s free weekend nights are...

    The card would have been worth it for me last year as I did spend some time at a Hilton resort. But I may not do that every year, and I value airline fee credit / priority pass at zero, so uncertain how much I would actually use the card. Also, a lot of my free nights from other cards are piling up due to difficulty of use (though admittedly Hilton’s free weekend nights are the easiest to use).

    Net net it is a nice to have, not a must have given the cheaper Hilton options. If Amex throws me an upgrade offer from my no fee, I may apply.

    1. Eskimo Guest

      Fly a different airline. Loyalty pays for the CEO salary. Loyal customers get robbed.
      If you can't find a resort location to stay, you need a vacation.

      If you can't use the credits at all means you are not really trying. Few times a year, I fly LCC. Their all-in prices are still better than legacy. 1-2 of those trips will use up all the credits.

    2. Andrew Guest

      Airline fee credit is as good as cash on United Travel Bank.

    3. mnoman New Member

      Care to explain your comment please @Andrew ? whats the trick here?

    4. john Guest

      I plan on getting this card. I have 71 nights at hilton for 2021. I could have been a diamond member for $450 instead of $6000 plus and had diamond benefits from day one. simple math after the fact

  5. DCS Diamond

    That being said, personally this is a card that I would get for the perks, rather than a card I would actually spend a lot of money on, as there are better cards for that.

    YMMV, indeed. Co-branded hotel cards, in general, are not good all-purpose cards. For Hilton hotel stays or incidental spending during such stays, there is of course no better card than the Aspire. For other purchases, the opportunity cost can be...

    That being said, personally this is a card that I would get for the perks, rather than a card I would actually spend a lot of money on, as there are better cards for that.

    YMMV, indeed. Co-branded hotel cards, in general, are not good all-purpose cards. For Hilton hotel stays or incidental spending during such stays, there is of course no better card than the Aspire. For other purchases, the opportunity cost can be prohibitive, except that spending on non-hotel purchases (US dining, airline tickets, card rentals at 7x) might make sense when one is on the cusp of earning Lifetime HH Diamond status on base points, and all bonus points earned with the card counts as base points.

  6. Pru Guest

    A litmus test for getting/keeping this (or the other premium) card: At the end of the year, do you find yourself scrambling to find ways to use the benny's that come with the card? If so, it's a hard pass.

    1. Eskimo Guest

      I have all the major premium cards. All pass your litmus test, but I still think its a bit too much to pay almost $5k in fees. Can't decide which card to cancel or downgrade.

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The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.

john Guest

I plan on getting this card. I have 71 nights at hilton for 2021. I could have been a diamond member for $450 instead of $6000 plus and had diamond benefits from day one. simple math after the fact

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Pam Guest

The Woodlands Resort joined Curio 1.4.22 AND is eligible for the resort credit. Such a very nice property north of Houston, definitely worth a free night redemption. Reno slated for 2nd Qtr this yr.

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mnoman New Member

Care to explain your comment please @Andrew ? whats the trick here?

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