| Category | Rate | Type | Cap |
|---|---|---|---|
|
Hilton Portfolio Hotels and Resorts
Earned on eligible purchases made directly with hotels and resorts within the Hilton portfolio, including room rate and incidentals charged to the room bill. No annual cap.
|
14x | Points | No cap |
|
Flights Booked Directly with Airlines
Earned on eligible airfare purchases made directly with passenger airlines. No annual cap.
|
7x | Points | No cap |
|
Flights Booked Through Amex Travel
Earned on eligible flight purchases booked through AmexTravel.com or the Amex Travel App. No annual cap.
|
7x | Points | No cap |
|
Car Rentals (Select Companies)
Earned on eligible car rental purchases booked directly with select car rental companies. No annual cap.
|
7x | Points | No cap |
|
U.S. Restaurants
Earned on eligible purchases at U.S. restaurants, including takeout and delivery. No annual cap.
|
7x | Points | No cap |
|
All Other Eligible Purchases
Base earn rate applied to all eligible purchases not covered by a higher bonus category. Excludes fees, interest charges, cash advances, traveler's checks, prepaid card purchases, cash equivalents, and person-to-person transactions.
|
3x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
CLEAR+ Membership Credit
Receive up to $209 in statement credits per calendar year after paying for a CLEAR+ membership (subject to auto-renewal) with the Hilton Honors American Express Aspire Card. CLEAR+ uses biometric data to expedite identity verification at 55+ U.S. airports.
|
Credits |
Up to $209/year
Up to $209
|
|
Flight Statement Credit
Receive up to $50 in statement credits per quarter (up to $200 per calendar year) on eligible flight purchases made directly with airlines or via AmexTravel.com or the Amex Travel App using the Card.
|
Credits |
$50/quarter (up to $200/year)
Up to $200
|
|
Hilton Resort Statement Credit
Receive up to $200 in statement credits semi-annually (up to $400 per calendar year) for eligible purchases made directly with participating Hilton Resorts on the Card, applicable to room rates, dining, activities, spa, and other qualifying charges. The credit resets on July 1 each calendar year.
|
Credits |
$200 semi-annually (up to $400/year)
Up to $400
|
|
Waldorf Astoria and Conrad On-Property Credit
Receive a $100 credit for qualifying on-property charges at participating Waldorf Astoria and Conrad Hotels & Resorts when booking a minimum two-night stay directly at HiltonHonorsAspireCard.com or by calling Hilton at 855-292-5757 and selecting the Aspire Card Benefit rate.
|
Credits |
$100 per qualifying stay
Up to $100
|
|
No Foreign Transaction Fees
No foreign transaction fees are charged on purchases made outside the United States.
|
Financial | 0% foreign transaction fee |
|
Plan It — Pay Over Time Feature
Eligible purchases of a qualifying minimum amount may be split into equal monthly installments with a fixed monthly plan fee (up to 1.33% of the amount placed in a plan), rather than accruing standard purchase APR interest. Plan fee and duration are disclosed before each plan is created.
|
Financial | Fixed monthly fee (up to 1.33%/month) |
|
Baggage Insurance Plan
Provides coverage for lost, damaged, or stolen baggage when traveling on a common carrier (plane, train, ship, or bus) and the entire fare is charged to the eligible Card. Coverage is up to $1,250 for carry-on baggage and up to $500 for checked baggage. Underwritten by AMEX Assurance Company.
|
Insurance |
Up to $1,250 carry-on; up to $500 checked
Up to $1,250
|
|
Car Rental Loss and Damage Insurance (Secondary)
Provides secondary coverage for damage to or theft of a rental vehicle when the Card is used to reserve and pay for the entire rental and the CDW is declined at the counter. Geographic restrictions apply; not all vehicle types are covered; no liability coverage included. Underwritten by AMEX Assurance Company.
|
Insurance | Secondary CDW coverage |
|
Extended Warranty
Extends the original U.S. manufacturer's warranty by up to one additional year on covered purchases charged to the Card, applicable to warranties of 5 years or less. Underwritten by AMEX Assurance Company.
|
Insurance | Up to 1 additional year on warranties ≤5 years |
|
Purchase Protection
Covers eligible new purchases made with the Card against accidental damage or theft for up to 90 days from the date of purchase. Coverage limits and exclusions apply. Underwritten by AMEX Assurance Company.
|
Insurance | Up to 90 days from purchase date |
|
Trip Delay Insurance
Reimburses reasonable expenses (lodging, meals, and other incidentals) when a covered trip is delayed more than 12 hours due to a covered reason and the fare is charged to the eligible Card. Coverage limits and maximum number of claims per year apply. Underwritten by New Hampshire Insurance Company, an AIG Company.
|
Insurance |
Up to $300 per covered trip
Up to $300
|
|
American Express Experiences
Access to American Express Experiences, including presale tickets, reserved seating, and special access to concerts, Broadway shows, sporting events, and other entertainment through the American Express Experiences program.
|
Lifestyle | Complimentary access |
|
14X Points at Hilton Portfolio Hotels and Resorts
Earn 14 Hilton Honors points per dollar on eligible purchases made directly with hotels and resorts within the Hilton portfolio. Combined with Diamond elite 100% base point bonus, total on-property earn can exceed 30X points per dollar.
|
Rewards | 14X Points |
|
3X Points on All Other Eligible Purchases
Earn 3 Hilton Honors points per dollar on all eligible purchases not covered by a higher bonus category. No annual cap.
|
Rewards | 3X Points |
|
7X Points at U.S. Restaurants
Earn 7 Hilton Honors points per dollar on eligible purchases at U.S. restaurants, including takeout and delivery. No annual cap.
|
Rewards | 7X Points |
|
7X Points on Car Rentals (Select Companies)
Earn 7 Hilton Honors points per dollar on eligible car rental purchases booked directly with select car rental companies. No annual cap.
|
Rewards | 7X Points |
|
7X Points on Flights (Direct with Airlines)
Earn 7 Hilton Honors points per dollar on eligible airfare purchases made directly with passenger airlines. No annual cap.
|
Rewards | 7X Points |
|
7X Points on Flights via AmexTravel.com
Earn 7 Hilton Honors points per dollar on eligible flight purchases booked through AmexTravel.com or the Amex Travel App. No annual cap.
|
Rewards | 7X Points |
|
Fraud Protection and Dispute Resolution
American Express continuously monitors account activity for suspicious or unauthorized charges and notifies the cardmember immediately if unusual activity is detected. Cardholders incur zero liability for unauthorized charges, and American Express works with the cardmember and merchant to investigate and resolve billing disputes.
|
Security | Complimentary |
|
Amex Offers
Access rotating, personalized statement credit and bonus points offers from a wide range of brands. Offers must be added to the Card via the Amex App or online account before making eligible purchases.
|
Shopping | Variable savings |
|
Annual Free Night Reward
Receive one Free Night Reward from Hilton Honors in the first year of Card Membership and every subsequent year upon Card renewal. The reward can be redeemed at any standard room at participating Hilton portfolio properties, subject to availability. Certain resort fees may apply.
|
Travel | Complimentary (one night, any standard room) |
|
Complimentary Hilton Honors Diamond Status
Cardholders automatically receive Hilton Honors Diamond elite status for as long as the Card is held, unlocking a 100% bonus on Base Points earned on hotel stays, complimentary room upgrades (including suites where available), executive lounge access at applicable properties, free breakfast or daily food and beverage credit at select brands, Premium Wi-Fi, and late checkout. Status is revoked if the account is cancelled.
|
Travel | Complimentary |
|
Global Assist Hotline
24/7 emergency assistance and coordination services available when traveling more than 100 miles from home, including medical and legal referrals, emergency cash wire coordination, and missing luggage assistance. Cardmembers are responsible for costs charged by third-party service providers.
|
Travel | Complimentary access |
|
National Car Rental Emerald Club Executive Status
Receive complimentary National Car Rental Emerald Club Executive status, including Executive Area Access for full-size reservations and above in the USA and Canada. Enrollment through the cardmember's American Express online account is required.
|
Travel | Complimentary Executive status |
|
Spend-Triggered Free Night Award at $30,000
Earn one additional Free Night Reward after spending $30,000 on eligible purchases on the Card in a calendar year. The reward can be redeemed at any standard room at participating Hilton portfolio properties, subject to availability.
|
Travel | Complimentary (after $30,000 annual spend) |
|
Spend-Triggered Free Night Award at $60,000
Earn one additional Free Night Reward after spending $60,000 on eligible purchases on the Card in a calendar year (in addition to the $30,000 reward). The reward can be redeemed at any standard room at participating Hilton portfolio properties, subject to availability.
|
Travel | Complimentary (after $60,000 annual spend) |
