Hilton Honors American Express Aspire Card

• Complimentary Hilton Honors Diamond Status

  Access

  Complimentary Hilton Honors Diamond Status (top-tier Hilton elite status) for the primary Card Member while the Card is open and not in default

  Terms & eligibility

  Available only to the Basic Card Member on the Card Account; Additional Card Members do not receive complimentary Diamond status. Card must be open and not in default.

  Government source · Aug 24, 2026

  Included

• Hilton Honors Annual Free Night Reward

  Access

  1 Free Night Reward each year of Card Membership (upon Card renewal) — redeemable for one night at participating Hilton portfolio hotels

  Terms & eligibility

  Available only to the Basic Card Member on the Card Account. Card must be renewed (annual fee paid) for the reward to issue. Standard room redemption only; certain room types and dates may be blacked out; advance booking recommended.

  Government source · Aug 24, 2026

  Included

• Hilton Honors Free Night Rewards (spend-based, $30K and $60K thresholds)

  Access

  Earn a second Free Night Reward from Hilton after spending $30,000 in purchases on the Card in a calendar year; earn a third Free Night Reward after spending an additional $30,000 (i.e., $60,000 total) in purchases on the Card in the same calendar year

  Terms & eligibility

  Available only to the Basic Card Member on the Card Account. Card must be open and not in default at the time the reward is issued. Standard room redemption only.

  Government source · Aug 24, 2026

  Est. value

  ~$300

  Per calendar year (resets January 1)

• $400 Hilton Resort Credit

  Credit

  Up to $400 annually ($200 semi-annually) in statement credits for eligible purchases made directly with participating Hilton Resorts on the Hilton Honors Aspire Card

  Terms & eligibility

  Purchases must be made directly with a participating Hilton Resort (resort designation required; standard Hilton hotels do not qualify). The Card Member must use the Hilton Honors Aspire Card for the purchase. Additional Card Members' eligible purchases may also count toward the credit (UNCONFIRMED at issuer-source level).

  Government source · Aug 24, 2026

  Up to

  $400

  Semi-annually (two six-month periods per calendar year)

• $200 Flight Credit

  Credit

  Up to $200 annually ($50 per quarter) in statement credits on flight purchases made directly with an airline, through AmexTravel.com, or through the Amex Travel App

  Terms & eligibility

  Card Member must use the Hilton Honors Aspire Card for the flight purchase. Purchases must post to the Card statement within the qualifying quarter to receive the credit. Some airline ancillary charges (e.g., baggage fees, seat selection, in-flight purchases) may qualify; exact eligible charge categories defined in Amex terms.

  Government source · Aug 24, 2026

  Up to

  $200

  Quarterly (four quarters per calendar year; Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec)

• $219 CLEAR+ Credit

  Credit

  Up to $219 per calendar year in statement credits after paying for a CLEAR+ Membership (subject to auto-renewal) with the Hilton Honors American Express Aspire Card

  Terms & eligibility

  Card Member must use the Aspire Card to pay for the CLEAR+ Membership and must keep the membership set to auto-renewal. CLEAR+ available at 55+ airports nationwide (US only). Card account must be open and not in default.

  Government source · Aug 24, 2026

  Up to

  $219

  Per calendar year (resets January 1)

• $100 Property Credit at Waldorf Astoria and Conrad properties

  Credit

  Up to a $100 property credit for qualifying charges at Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts properties when the Card Member books a 2-night minimum stay with the Aspire Card at HiltonHonorsAspireCard.com and selects the Aspire Card Benefit rate option

  Terms & eligibility

  Must book a 2-night minimum stay with the Aspire Card at HiltonHonorsAspireCard.com and select the 'Aspire Card Benefit' rate option on the booking page. Only Waldorf Astoria and Conrad properties qualify (not all Hilton brands). Card Member must use the Aspire Card for the booking payment.

  Government source · Aug 24, 2026

  Up to

  $100

  Per qualifying stay (2-night minimum)

• Hilton Honors Bonus Points on Eligible Purchases (14X / 7X / 3X earning)

  Earning

  Earn 14X Hilton Honors Bonus Points per $1 on eligible purchases made directly with hotels and resorts within the Hilton portfolio; 7X on flights booked directly with airlines or via AmexTravel.com, on car rentals booked directly with select car rental companies, and at U.S. restaurants (including takeout and delivery); 3X on all other eligible purchases

  Terms & eligibility

  Purchases must be eligible (excludes returns, cash advances, balance transfers, fees, interest charges). Hilton direct bookings only for the 14X rate. U.S. restaurants only for the 7X dining rate. Card Member must use the Aspire Card.

  Government source · Aug 24, 2026

  Up to

  $70

  Continuous — points accrue per eligible purchase

• Complimentary National Car Rental Emerald Club Executive Status

  Access

  Complimentary National Car Rental Emerald Club Executive status — includes perks like Executive Area Access (for full-size reservations and above) in the USA and Canada

  Terms & eligibility

  Must be enrolled in the National Car Rental Emerald Club Executive program; benefit is for the Basic Card Member (Additional Card Members UNCONFIRMED). Available in USA and Canada only.

  Government source · Aug 24, 2026

  Est. value

  ~$50

  Continuous while Card is open (status renews automatically each year of active Card membership)

• No Foreign Transaction Fees

  Access

  No foreign transaction fees on purchases made abroad with the Hilton Honors Aspire Card

  Terms & eligibility

  Card must be used for the international purchase; standard Visa/Mastercard FX conversion still applies (Amex doesn't add a surcharge on top)

  Government source · Aug 24, 2026

  Est. value

  ~$50

  Continuous — no FX fees on any international purchase

• Cell Phone Protection

  Protection

  Reimbursement up to $800 per claim (with $50 deductible) for damage or theft of a cell phone, max 2 approved claims per 12-month period, when the prior month's wireless bill was paid using the Aspire Card

  Terms & eligibility

  Card Member must pay their wireless bill with the Aspire Card each month to maintain coverage; coverage applies to the cell phone line listed on the wireless bill (covers up to 2 claims per 12-month period). $50 deductible per claim. Coverage provided by New Hampshire Insurance Company (an AIG Company).

  Government source · Aug 24, 2026

  Up to

  $1,600

  Per claim (max 2 claims per rolling 12-month period)

• Trip Cancellation and Interruption Insurance

  Protection

  Trip Cancellation and Interruption Insurance — if a covered reason cancels or interrupts a round trip purchased entirely with the Aspire Card, may reimburse non-refundable expenses

  Terms & eligibility

  Round trip must be purchased entirely with the Aspire Card. Coverage subject to covered reasons listed in the description of coverage. Coverage provided by New Hampshire Insurance Company (an AIG Company).

  Government source · Aug 24, 2026

  Included

• Trip Delay Insurance

  Protection

  Trip Delay Insurance — if a covered reason delays a round trip (purchased entirely with the Aspire Card) by more than 6 hours, may reimburse certain additional expenses

  Terms & eligibility

  Round trip must be purchased entirely with the Aspire Card. Delay must exceed 6 hours and be caused by a covered reason. Coverage provided by New Hampshire Insurance Company (an AIG Company).

  Government source · Aug 24, 2026

  Included

• Car Rental Loss and Damage Insurance

  Protection

  Secondary coverage for damage to or theft of a rental vehicle when the Card Member uses the Aspire Card to reserve and pay for the Entire Rental and declines the rental company's collision damage waiver (CDW)

  Terms & eligibility

  Must reserve AND pay for the Entire Rental with the Aspire Card. Must decline the rental company's CDW. Coverage not available for vehicles rented in Australia, Italy, and New Zealand. Not all vehicle types or rentals are covered (e.g., exotic cars, cargo vans). Provides SECONDARY coverage (does not include liability coverage).

  Government source · Aug 24, 2026

  Included

• Premium Car Rental Protection (enrollment required)

  Protection

  Primary coverage for theft of or damage to a rental vehicle and excess medical coverage if injured in an accident, when enrolled in Premium Car Rental Protection and the enrolled Card is used to pay for rental charges

  Terms & eligibility

  Card Member must enroll in Premium Car Rental Protection AND use the enrolled Card to pay for rental charges. Not all vehicle types or rentals are covered (exotic cars, cargo vans, etc. excluded). Does not include liability coverage.

  Government source · Aug 24, 2026

  Up to

  $20

  Per covered rental (after enrollment)

• Baggage Insurance Plan

  Protection

  Coverage for lost, damaged, or stolen baggage when traveling on a Common Carrier Vehicle (plane, train, ship, or bus) when the Entire Fare has been charged to the Aspire Card

  Terms & eligibility

  Entire Fare must be charged to the Aspire Card. Coverage limits apply; please read important exclusions and restrictions.

  Government source · Aug 24, 2026

  Included

• Premium Global Assist Hotline

  Access

  24/7 emergency assistance and coordination services (medical, legal, and financial referrals) when traveling more than 100 miles from home; emergency medical transportation assistance may be provided at no cost if approved and coordinated by Premium Global Assist Hotline

  Terms & eligibility

  Card Member must be traveling more than 100 miles from home. Service is for coordination and referrals; Card Members may be responsible for third-party service provider costs. Emergency medical transportation assistance provided at no cost only if approved and coordinated by the Hotline.

  Government source · Aug 24, 2026

  Est. value

  ~$1

  Continuous while traveling >100 miles from home

• Return Protection

  Protection

  May refund the full purchase price (excluding shipping and handling) up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, for eligible purchases that the seller won't take back within 90 days of purchase

  Terms & eligibility

  Purchases must be made entirely with the Aspire Card in the U.S. or its territories. American Express may refund the full purchase price excluding shipping and handling. Item must be in working condition; certain categories excluded.

  Government source · Aug 24, 2026

  Up to

  $1,000

  Per eligible returned purchase (within 90 days of purchase)

• Purchase Protection

  Protection

  Coverage for stolen, accidentally damaged, or lost Covered Purchases for up to 90 days from the Covered Purchase date — up to $10,000 per Covered Purchase, up to $50,000 per calendar year

  Terms & eligibility

  Purchase must be made with the Aspire Card. Please read important exclusions and restrictions.

  Government source · Aug 24, 2026

  Included

• Extended Warranty

  Protection

  Up to one extra year added to the Original Manufacturer's Warranty on Covered Purchases made with the Aspire Card (applies to warranties of 5 years or less, on purchases in the United States or its territories or possessions)

  Terms & eligibility

  Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions. Please read important exclusions and restrictions.

  Government source · Aug 24, 2026

  Included

• Concierge Service

  Access

  Concierge service for help making arrangements for special dinners, purchasing tickets to sought-after events, and other personal assistance

  Terms & eligibility

  Card Member must call the number on the back of the Card and select 'Concierge' when prompted

  Government source · Aug 24, 2026

  Included

• American Express Venue Collection (10% back on concessions up to $250/yr)

  Credit

  10% back on qualifying concessions purchases at select stadiums and arenas in the American Express Venue Collection, up to $250 per calendar year (enrollment required; limit one enrolled Card per Card Member)

  Terms & eligibility

  Card Member must enroll the Card in the Venue Collection benefit. Limit one enrolled Card per Card Member. Benefit available at select stadiums/arenas only.

  Government source · Aug 24, 2026

  Up to

  $250

  Per qualifying concessions purchase (annual cap of $250)

Downgrade paths

Product changes usually keep your account age and credit line. Retained-value figures are estimates — confirm specifics with the issuer.

• Move to Hilton Honors American Express Surpass® Card

  $150/yr

  Community-reported · not guaranteedRetained value not quantified

  Available to current Hilton Honors Aspire Card Members via product change. Amex product changes are restricted to within the same card family (Hilton Honors family). The Surpass is the natural downgrade path within the Hilton Honors family (mid-tier). Account must be open and in good standing; product change request initiated via phone (number on back of Card) or Amex chat. Per standard Amex product change policy, no hard credit check for downgrade within the same family. UNCONFIRMED at issuer-source level — the live Amex / Hilton pages do not document the official product change policy; downgrade path inferred from the card family structure shown on hilton.com/en/hilton-honors/credit-cards overview.

  Government source · Aug 24, 2026

• Move to Hilton Honors American Express Card (no annual fee)

  no annual fee

  Community-reported · not guaranteedRetained value not quantified

  Available to current Hilton Honors Aspire (or Surpass) Card Members via product change. Amex product changes are restricted to within the same card family (Hilton Honors family). The no-AF Hilton Honors Card is the entry-level downgrade path within the Hilton Honors family. Account must be open and in good standing; product change request initiated via phone (number on back of Card) or Amex chat. Per standard Amex product change policy, no hard credit check for downgrade within the same family. UNCONFIRMED at issuer-source level — the live Amex / Hilton pages do not document the official product change policy; downgrade path inferred from the card family structure shown on hilton.com/en/hilton-honors/credit-cards overview.

  Government source · Aug 24, 2026

Offers vary by account and eligibility. Reported outcomes are not guaranteed. Community data shown here is an illustrative sample — never rely on it as a promise of what you'll be offered.