Fees and rates
Annual Fee
Annual Percentage Rate (APR)
Transaction Fees
Penalty fee
Hilton Honors American Express® Aspire Card Reward Program
EARN 14X HILTON HONORS BONUS POINTS
when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio.
EARN 7X HILTON HONORS BONUS POINTS
on eligible purchases on your Card for:
• Flights booked directly with airlines or amextravel.com
• Car rentals booked directly from select car rental companies
• U.S. restaurants.
EARN 3X HILTON HONORS BONUS POINTS
on all other eligible purchases.
Discount Benefits

Automotive Discounts
Automotive Discounts. This credit card offers discounts when you buy your new car. Why not save a little extra money on your ride?

Free Shipping
You can get Free Shipping at some online stores. When you get it, if you don’t like it, you can return it for free as well.
Fee Benefits

No Overlimit Fee
No Over-the-Limit Fee. You won’t pay an over-the-limit fee if your credit card balance goes over your credit limit.
For Example:
Let’s say your credit card limit is $5,000. One month, you spend more than your limit on the card. Some credit card companies will charge you between $25 and $35 for this mistake. If your card advertises no overlimit fee, you won’t be charged a penalty for your spending.
Insurance Benefits

Extended Warranty Insurance
Extended Warranty Insurance. This credit card extends the original manufacturer’s warranty of an item. You get the benefits of an extended warranty without purchasing the store’s expensive extended warranty.

Lost or Stolen Baggage Insurance
Lost or Stolen Baggage Insurance. The credit card will cover replacing the contents of lost, damaged, or stolen bags, up to a given dollar value.

Purchase Protection
Purchase Protection. If that thing you bought is stolen or accidentally damaged within a specific period of time, you’re covered. The credit card company may reimburse you up to the full purchase price.

Rental Car Insurance
Rental Car Insurance. This credit card covers any damage from collision or theft on most rental vehicles, up to the value of the car.

Return Protection
Have you ever had that thing you bought break just outside the warranty period? With Return Protection, you have a longer warranty period to make sure it worked, or decide if you like it.

Travel Accident Insurance
Travel Accident Insurance. If you’re ever in an accident while on a vehicle licensed to transport the general public, you’ll want this insurance. It covers injuries from losing an eye or a limb all the way up to death.
Security Benefits

Fraud Protection
The credit card company’s Fraud Protection keeps your account safe from unauthorized charges. In fact, once the charges are proven fraudulent, you will be guaranteed a refund. All you have to do is check your statement. If you find something wrong, contact the credit card company and file a claim.
Service Benefits

Entertainment Access
Entertainment Access. Some credit card companies host exclusive card member-only events, like Broadway shows, concerts, sporting events and more.

Global Assist Hotline
Global Assist Hotline. This service provides the credit card holder with customs information and destination guides. Should you be traveling more than 100 miles from home, Global Assist provides extra services. These include help for a lost passport, translation requests, missing luggage, and emergency legal and medical referrals. As the cardholder, you would be responsible for any fees from third-party service providers. Fortunately, you may be able to charge these to the credit card.

Presale Tickets
Presale Tickets. Tickets for that band that you love are going on sale next Friday. This credit card allows you to purchase your tickets before the general public.
Sign Up Benefits

Statement Credit
Hilton Honors American Express® Aspire Card allows you to pay off part or your entire bill with a Statement Credit offered as a sign-on bonus.
For example, you have a credit card which offered a $200 statement credit. In order to get it, you have to make purchases totaling $1000 or more within the first 90 days of opening the card. You spend $1100. When you get your credit card statement for the month following the introductory period, your bill will be reduced by $200. So if your credit card bill is $500, you will only have to pay $300.

Welcome Points
Once approved for this credit card, you may get Welcome Points that you can use for other benefits. These include travel, high-end merchandise, discounts, or bill credits. Each card has different requirements for using the points.

0 Annual Fee 1st Year
No Annual Fee for the First Year. This credit card company waives its annual fee for the first year. You’ll get a year to decide if the card is worth the fee before you have to renew.
Travel Benefits

Family Vacation Benefits
Family Vacation Benefits. When you use the credit card to book your vacation, you may be eligible for vacation amenities. Some credit card cards have departments where you can book your vacation directly. Booking with an in-house travel department unlocks exclusive benefits for cardholders. These include discounts on activities, meals, and credits on cruise and hotel resorts. Other perks include adjoining or connecting rooms and discounted activities during your stay.

Lounge Access
Lounge Access. This credit card grants you access to airport lounges. Imagine waiting for your flight in comfort, with complimentary refreshments and cozier seats. Sometimes, the lounges have other amenities, like showers and travel-sized brand name toiletries. Maybe they won’t mind giving you a few more samples for later.

No Foreign Fees
No Foreign Fees. With this credit card, you won’t pay any fees on any transactions you make while traveling overseas.

Roadside Assistance
Roadside Assistance. This credit card company can arrange for someone to meet you for roadside repairs. They can also organize to have your car towed to your home or a shop within a specific radius.

Travel Credit
Travel Credit. This credit card can give you credit for flight-related purchases. This means you can save money on airline tickets, upgrades, checked baggage costs, and other items.
Credit Score Needed For Hilton Honors American Express® Aspire Card
Your best chance of being approved for this credit card involves having a credit score 751 - 850. Having your credit score in this range does not guarantee approval. There are still other factors besides credit score that determine if you will qualify for this card.
Similar Rewards Credit Cards
Annual Fee: $$450 ($75 for each authorized user)
Purchase APR: 18.99% - 25.99%
Main Reward: Rewards Points
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