Hilton Honors American Express Aspire Card

Name: Hilton Honors American Express Aspire Card
Brand: American Express National Bank
Price: 1447.76 USD
Availability: InStock

A $550-annual-fee miles card from American Express National Bank, with airport lounge access and a $1,750 signup bonus.

MilesHotel co-brand

American Express National Bank · AMEX

Annual fee: $550
Purchase APR: 19.49–28.49%variable
Signup bonus: $1,750
Foreign transaction: None

Your NAV

Try your own numbers

Spending

Monthly spend$2,500

Enter what you spend per category each month. Anything left blank counts as $0.

GroceryDiningGasTravelEverything else

Lounge value / yrWhat airport lounge access is worth to you per year. Zero if you rarely fly. Rough anchors: • Never flies or never uses lounges: $0 • 1–3 visits/yr (occasional traveler): $100–$200 • 5–10 visits/yr (regular leisure + business): $300–$500 • 15+ visits/yr (frequent business traveler): $750–$1,500 • 25+ visits/yr (road warrior): $1,500+ A Priority Pass day pass costs $35–$50; premium third-party lounges run $50–$75. Pick a number that reflects what you'd actually pay if you had to buy each visit.$0 (not counted)

Revolving balance$0

Spending we calculated on

Monthly$2,500

Annual$30,000

What this card would give you

Cashback	$489
Statement credits	$1,509
Subtotal	$1,998

You'd earn $1,998 in value over the year.

What it would cost you

Annual fee	$550
Subtotal	$550

You'd pay $550 to hold the card.

Year 1 value$3,198

Ongoing / yr$1,448

Year 1 includes the $1,750 signup bonus.

Net Annual Value$1,448

Net: an estimated $1,448 ahead over the year at your profile.

Earn Rules

Dining	700.00%
Travel	700.00%Including flights booked directly with airlines or AmexTravel.com and car rentals booked directly with select car rental companies.
All Other	300.00%

Rates with strings attached

These apply only at a specific brand, or need something beyond how you spend, like a balance held with the issuer or a status tier. They are real, but we do not count them in the value above, which uses the rates any cardholder earns on ordinary spending.

directly with hotels and resorts within the Hilton Portfolio

1400.00%

Statement Credits

Each credit shown at full face value. The NAV math counts the total. What you actually use is your call.

Enjoy an Annual Free Night Reward from Hilton Honors in your first year of Card Membership and every year upon Card renewal. Plus, each calendar year, you can earn a Free Night Reward after you spend $30,000 in purchases on your Card and earn another Free Night Reward after you spend an additional $30,000 in purchases on your Card.yearSource ↗	$600/yr
Enjoy up to $200 in statement credits semi-annually, for up to $400 back per year, on eligible purchases made directly with participating Hilton Resorts using your Hilton Honors American Express Aspire Card.semi-annualSource ↗	$400/yr
Receive up to $209 in statement credits per calendar year after you pay for your CLEAR+ Membership (subject to auto-renewal) with the Hilton Honors American Express Aspire Card.yearSource ↗	$209/yr
Get up to $50 in statement credits each quarter, for a total of up to $200 back each year, on flight purchases made directly with an airline, through AmexTravel.com, or through the Amex Travel App™ using your Hilton Honors American Express Aspire Card.quarterlySource ↗	$200/yr

+ Show 1 more credit

Receive up to a $100 credit for qualifying charges at Waldorf Astoria® Hotels & Resorts and Conrad® Hotels & Resorts properties when you book a 2 night minimum stay with your Card at HiltonHonorsAspireCard.com and select the Aspire Card Benefit rate option on the booking page, or call Hilton Honors at (855) 292-5757 with the proper booking reference.yearSource ↗

$100/yr

Total credits / year we count

$1,509

Why this differs from the issuer's headline number. Card marketing sums every credit at full value and assumes you use all of them. We count each credit at face value too, but only the ones shown above. A credit you won't use is worth $0 to you, so the honest number for most people is lower than the brochure. Decide which ones fit your life; the calculator counts what you tell it to.

Signup Bonus

Earn 175,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 7/29/2026.

Value: $1,750 · Spend $6,000 in 6 months

This bonus is counted in full in the card's Year 1 value, and only when your spend meets the requirement. It's excluded from the ongoing value.

Who This Card Makes Sense For

People who reliably pay their balance in full each month. The 28.49% APR would wipe out the card's other benefits within a single billing cycle of revolving.
People who will spend $1,000 a month for the next 6 months anyway — that clears the $6,000 required for the $1,750 bonus, which covers the $550 fee and then some in year one.
Travelers who will actually use the lounge access. Set what a visit is worth to you in the calculator above — it is counted as $0 until you do, so the $550 fee currently has to be covered by everything else.

Where This Came From

APR range“19.49%”
Source ↗
Annual fee“$550”
Source ↗

Wondering if this card pays off for your situation? Is the Hilton Honors American Express Aspire Card worth it? →

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