Our illustration in the card’s colours, not its design
American Express credit card
Hilton Honors American Express Aspire Card
$550 a year. Purchase APR 19.74–28.74%, variable. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Cardmember agreement · Filed with the CFPB · PDF
“Annual Fee $550”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Cardmember agreement · Filed with the CFPB · PDF
“(APR) for Purchases Prime Rate + 12.74% to Prime Rate + 21.74%”
- Prime rate, in effect since Sep 17, 2026
- 7.00%
- Card margin
- +12.74–21.74%
- APR today
- 19.74–28.74%
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Cardmember agreement · Filed with the CFPB · PDF
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | −$345 | −$345 | |
| Typical spender | −$30 | −$30 | |
| Heavy spender | $585 | $585 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: points valued at an assumed 0.5¢; not counted: 7x airfare on a scheduled flight charged directly with passenger airlines.
−$345a year
The same in the first year and after.
Rewards and credits$205
−$345 after the fee−$550 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 0.5¢.
−$30a year
The same in the first year and after.
Rewards and credits$520
−$30 after the fee−$550 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 0.5¢.
$585a year
The same in the first year and after.
Rewards and credits$1,135
You keep $585−$550 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 7x airfare on a scheduled flight charged directly with passenger airlines; points valued at an assumed 0.5¢.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Other points cards with fees over $300
- PalladiumBilt · $495 a year+$245 a year
- American Express The American Express® Gold CardAmerican Express · $325 a year+$80 a year
- Atmos Rewards Summit Visa InfiniteBank of America · $395 a year+$5 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Hilton Honors
How you earn
- 14×
- purchases made directly with hotels and resorts within the Hilton portfolio
- 7×
- purchases at U.S. Restaurantsairfare on a scheduled flight charged directly with passenger airlinespurchases directly from select major car rental companies listed at americanexpress.com/rewards-info
- 3×
- Everything else
Points per dollar. “What it’s worth” values a point at an assumed 0.5¢.
Benefits
- Hilton Resort Credit: $200 semiannual
- Flight Credit: $50 quarterly
- CLEAR+ Credit: $219 annual
- Waldorf Astoria and Conrad property credit: $100
- Complimentary Hilton Honors Diamond Status (Complimentary status while holding the Card; includes a 100% bonus on Base Points earned on every stay, Premium Wi-Fi, space-available room upgrades at select properties, and executive lounge access at select properties.)
All 31 benefits
- Complimentary National Car Rental Emerald Club Executive status (Card Members must enroll through their American Express online account using the Card. Terms apply.)
- Up to $219 in statement credits per calendar year for CLEAR+ Membership at 60+ airports nationwide
- Executive lounge access at select Hilton properties through Hilton Honors Diamond status
- Complimentary Hilton Honors Diamond status, including a 100% bonus on Base Points earned on every stay, Premium Wi-Fi, and space-available room upgrades at select properties
- Complimentary National Car Rental Emerald Club Executive status, including Executive Area Access for full-size reservations and above in the USA and Canada; enrollment required
- Annual Free Night Reward from Hilton Honors in the first year of Card Membership and every year upon Card renewal
- Each calendar year, a Free Night Reward can be earned after spending $30,000 in purchases, and another after spending an additional $30,000
- 10% back on qualifying concessions purchases at participating American Express Venue Collection locations, up to $250 per calendar year; enrollment required
- Amex Presale Tickets and Amex Reserved Tickets access to select events, while supplies last
- Global Dining Access by Resy, including access to exclusive reservations, premium dining experiences, and Priority Notify, after adding the Card to a Resy profile
- No foreign transaction fees
- Premium Global Assist Hotline provides 24/7 medical, legal, financial, and other emergency coordination and assistance while traveling more than 100 miles from home
- Send & Split allows payments to friends and splitting purchases with Venmo and PayPal users; enrollment required
- Dispute resolution assistance
- Year-End Summary of charges
- Additional Cards may be added
- Instant Card Number may be available for online and digital-wallet use after approval
- Rental car
- Baggage: Up to a combined maximum of $3,000 for checked and carry-on baggage, including up to $2,000 for checked baggage and up to $1,000 for high-risk items; $3,000 aggregate limit per covered trip. For New York State residents, $2,000 per bag or suitcase per Covered Person and a $10,000 aggregate maximum per Covered Trip.
- Trip delay: Up to $500 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period
- Trip cancellation: Up to $10,000 per trip and up to $20,000 per Eligible Card per 12 consecutive month period
- Purchase protection: Up to $10,000 per Covered Purchase and up to $50,000 per calendar year
- Extended warranty: Up to $10,000 per item and $50,000 per calendar year, limited to the actual amount charged on the Card
- Return protection: Up to $300 per item and up to $1,000 per calendar year per Card account, excluding shipping and handling
- Cell phone: Up to $800 per claim, with a limit of 2 approved claims per 12-month period
- Emergency assistance
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “Annual Fee $550” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “(APR) for Purchases Prime Rate + 12.74% to Prime Rate + 21.74%”
|
| Cash advance APR | Receipt · Cash advance APRChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “APR for Cash Advances Prime Rate + 21.99%”
|
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “Either $10 or 5% of the amount of each cash advance, whichever is greater.” |
| Penalty APR | Receipt · Penalty APRChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “Prime Rate + 26.74%”
|
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “Late Payment: Up to $40.” |
| Returned payment | Receipt · Returned paymentChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “Returned Payment: Up to $40.” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF The source states this figure; we have no exact sentence on file yet. |
| Grace period | Receipt · Grace periodChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “ID DAM0ASK025_V003” |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- $550 · Filed with the CFPB · PDF, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. · Filed with the CFPB · PDF, since Sep 29, 2026
- What is the purchase APR?
- 19.74–28.74% APR · Filed with the CFPB · PDF, since Sep 29, 2026