Hilton Honors Business is offering 175,000 points after spending $6000 in 6 months with a $550 annual fee.. That's up 25,000 points over their standard offer of 150,000 points after spending $4000 in 6 months. Offer expires 04/29/25.
Hilton Honors Aspire Credit Card Review
Key Takeaways
If you travel three or four times a year and stay at Hilton properties, the Hilton Honors Aspire card can easily justify its $550 annual fee. With the regular 150,000-point sign-up bonus, the card becomes particularly valuable in the first year, even though we value Hilton points at roughly 0.6 cents each. The $400 in Hilton credits ($200 twice per year), one complimentary night each year, and $200 in flight credits together provide more value than the annual fee.
Why This Card Could Be Right For You
The Hilton Honors Aspire card offers the most benefits among Hilton credit cards. Although the high $550 annual fee may cause sticker shock, the perks often offset this cost — especially if you can take advantage of the 150,000-point sign-up bonus. After the first year, it depends on how frequently you stay at Hilton properties and use these perks:
- One free night each year helps justify the fee.
- $400 in Hilton Resort credits each year ($200 every six months) further reduces out-of-pocket costs.
- The $200 flight credit is split into four $50 credits per quarter, so you’ll need to fly four times per year, spread throughout the year, to use it fully.
- Complimentary Hilton Honors Diamond Status and competitive spending multipliers — 14x points on Hilton purchases, 7x points on flights (booked directly with airlines or via amextravel), car rentals (booked directly), and restaurants, plus 3x points on all other purchases—can add significant value.
- Additional perks include a Clear Plus credit and a $100 on-property credit for charges at Waldorf Astoria and Conrad properties.
When The Usual Advice Doesn't Apply
This card may not be right for you if:
- You don’t regularly stay at Hilton properties.
What to Know About Hilton Honors
Quality hotels but points go fast with high per night point cost.
- Amex’s one-card-per-lifetime rule makes it difficult to accrue Hilton points using Hilton cards exclusively.
- Hilton is part of the Amex partner reward system and at 2:1 is a decent transfer value.
- Hilton has high quality hotels and excellent coverage both in the US and internationally.
- We recommend this system as more of a filler. Either as a specific destination or an upscale IHG when no Hyatt stays are available.
How The Hilton Honors Aspire Credit Card Fits In The Hilton Honors Ecosystem
The Hilton Honors Aspire stands as the premium option among Hilton's American Express card lineup, which includes three personal cards and one business card. For frequent Hilton guests, this card delivers exceptional value through its premium benefits.
If you're uncertain whether these premium benefits justify the higher annual fee, consider how the other Hilton credit cards might better align with your travel patterns and spending habits.
The Hilton card portfolio offers options at various price points:
Hilton Honors American Express Business ($195 annual fee)
- Doesn't count against your 5/24 limit
- Offers moderate perks for business travelers
- Good middle-ground option for regular Hilton guests
Hilton Honors American Express (no annual fee)
- Entry-level option with fewer benefits
- Sign-up bonus of 80,000 points
- Ideal for occasional Hilton guests
Hilton Honors Surpass Card ($150 annual fee)
- Complimentary Hilton Honors Gold status
- $200 in statement credits (divided into four $50 quarterly credits)
- Sign-up bonus of 130,000 points after spending $2,000 in the first six months
The right card for you depends largely on your Hilton stay frequency. Travelers who regularly choose Hilton properties and will utilize Diamond status and multiple annual credits can easily justify the Aspire's higher annual fee through its comprehensive benefits. Those who visit Hilton less frequently might find better value in the Surpass or Business cards, which balance lower costs with worthwhile benefits.
For those who rarely stay at Hilton but still want to collect Hilton points for occasional use, the no-annual-fee option provides a cost-effective entry point to the program.
Card Information
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 175,000 | $6,000 | 0.6 ¢ | $240 | $550 |
$776
|
| Best Value | Differentiating Perks | Rules |
|---|---|---|
| Hilton Stays & Perks | 14x Points Hilton hotel purchases. $250 Resort Statement Credit. $200 Airline Fee Credit. $100 Hilton On-property credit. Unlimited lounge visits you+2 guest. Hilton Diamond status. | Amex 4 Credit , Amex 3/90 , No 5/24 , Amex 1/10 |
AWARD SYSTEM
OFFER PRIOR TO CURRENT SPECIAL
150,000 Bonus Points for
$4,000 spend ended Feb 2025
$4,000 spend ended Feb 2025
Spend Categories
Airfare + »
7X points
4.2¢ Per Dollar Spent
All Other = »
3X points
1.8¢ Per Dollar Spent
Hotels = »
14X points
8.4¢ Per Dollar Spent
Restaurants = »
7X points
4.2¢ Per Dollar Spent
Travel - »
7X points
4.2¢ Per Dollar Spent
Card Benefits
Travel Credits »
Get a $100 On-Property Credit valid with a 2+ night stay & $200 Hilton Resort fee credit per year, good on room rates and incidentals at over 230 resorts.
Get a $100 On-Property Credit valid with a 2+ night stay & $200 Hilton Resort fee credit per year, good on room rates and incidentals at over 230 resorts.
Lounge Access »
Get unlimited Priority Pass lounge visits, with up to 2 guests free of charge.
Get unlimited Priority Pass lounge visits, with up to 2 guests free of charge.
Car Rental Insurance »
Complimentary National Car Rental Executive Club Emerald Status in the USA and Canada .
Complimentary National Car Rental Executive Club Emerald Status in the USA and Canada .
Travel Insurance »
Lost luggage insurance up to $3,000 per person for checked and carry-on baggage.
Lost luggage insurance up to $3,000 per person for checked and carry-on baggage.
No Foreign Transaction Fees »
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
Concierge »
Call 1-800-525-3355 to get complimentary assistance making dinner reservations, buying theater tickets, getting travel guides, sending gifts/flowers, and dozens of other specific requests.
Call 1-800-525-3355 to get complimentary assistance making dinner reservations, buying theater tickets, getting travel guides, sending gifts/flowers, and dozens of other specific requests.
Statement Credits »
Up to $400 each year in statement credits at eligible Hilton resorts and up to $200 in annual statement credits on eligible flight purchases.
Up to $400 each year in statement credits at eligible Hilton resorts and up to $200 in annual statement credits on eligible flight purchases.
Hotel Perks »
Automatic Diamond status includes: free breakfast, late checkout, Premium WiFi, Executive Lounge access, room upgrades, including suites when available & 5th night free on reward stays.
Automatic Diamond status includes: free breakfast, late checkout, Premium WiFi, Executive Lounge access, room upgrades, including suites when available & 5th night free on reward stays.
Purchase Protection »
You're protected for up to 90 days from the purchase date, up to $300 per item and up to $1,000 per year.
You're protected for up to 90 days from the purchase date, up to $300 per item and up to $1,000 per year.
Point Transfer Options
Transfer To Spouse/Partner Yes
Transfer To Friends Yes
Travel Partner Transfers
Outside Point System Hilton Honors
Transfers In From
Amex Member Rewards
1:2 86% value retained
Hilton Honors Aspire Application Rules
Amex will decline your application if you already have 4 credit cards (not charge) and apply for a fifth
You'll be declined if you apply for a fourth Amex card in 90 days
Card approval not subject to 5-personal-cards-in-24-months rule
Amex allows only 1 bonus per specific card per lifetime (yours or that version of the card)
Ranking of Cards Offering Hilton Honors
Best for Series
Below is a snapshot of where this card performs best compared to the other cards in our database:
Rank
4th
Honorable Mention
Breaking Points
February 28, 2025
Hilton Honors Aspire
March 5, 2024
Mini Points - March 2024
- Amex Bonvoy Brilliant - Earn 185,000 points after spending $6000 in 6 months, $650 annual fee.
- Amex Bonvoy Bevy - Earn 155,000 points after spending $5000 in 6 months, $250 annual fee.
- Amex Hilton Honors Surpass - Earn 155,000 points after spending $3000 in 6 months, $150 annual fee.
- Amex Hilton Honors Aspire - Earn 175,000 points after spending $6000 in 6 months, $550 annual fee.
- Amex Hilton Honors - Earn 100,000 points after spending $2000 in 6 months, $0 annual fee.
- Wyndham Rewards Earner - 75,000 points after spending $2000 in 6 months, $0 annual fee.
- Wyndham Rewards Earner + - 100,000 points after spending $2000 in 6 months, $75 annual fee.
- Wyndham Rewards Business - 50,000 points after spending $4000 in 3 months + 50,000 points after spending $15,000 in 12 months, $95 annual fee.
October 23, 2023
Mini Points - October 2023
Here are the most recent Limited Time Offers on Cards that are NOT Chase Cards:
- AAdvantage Citi Business Card - 75,000 AA miles after spending $6000 in 6 months $0 annual fee for the first year.
- Hilton Honors American Express Surpass Card - 170,000 Hilton Honors Points after spending $3000 in the first 6 months, $150 annual fee.
- Hilton Honors American Express Aspire Card - 180,000 Hilton Honors Points after spending $6000 in the first 6 months, $550 annual fee.
- Hilton Honors American Express Card - 100,000 Hilton Honors Points after spending $2000 in the first 6 months, No annual fee.