Hilton Aspire

Earn 150,000 Hilton Honors points by spending $6,000 on eligible purchases within your first 6 months as a cardholder. Points land in your Hilton Honors account and can be used toward free nights, experiences, and more.

As part of your welcome package, you receive a free night certificate usable at participating Hilton properties. After that first certificate, a new one is issued each card anniversary year. Availability and eligible properties vary, so check when redeeming.

Earn 14 Hilton Honors points per dollar when you pay directly with hotels and resorts across the Hilton portfolio. This is the card's top earning rate and applies when you book and charge stays directly through Hilton.

Earn 7 Hilton Honors points per dollar on flights booked directly with airlines or through American Express Travel, car rentals from select rental companies, and purchases at U.S. restaurants. Note that airfare booked through third-party sites may not qualify for this rate.

Earn Hilton Honors bonus points on eligible purchases made with the card, with higher earn rates at Hilton properties and select everyday categories. Points accumulate in your Hilton Honors account and can be redeemed for free nights, experiences, and more.

Earn 3 Hilton Honors points per dollar on all eligible purchases that don't qualify for a higher bonus category. This rate applies automatically to everyday spending with no enrollment or extra steps needed.

You receive one free night certificate each year — once when you first open your account and again on every card anniversary. No spending requirement is attached. The certificate is valid at nearly any Hilton property worldwide.

Get up to $200 back in statement credits every six months on purchases made directly with participating Hilton Resorts, for a total of up to $400 per year. Charges must be made directly with the resort, not through a third-party booking site.

Get up to $100 toward qualifying charges during a stay at a Waldorf Astoria or Conrad Hotels & Resorts property. To activate the credit, book at least a 2-night stay through HiltonHonorsAspireCard.com or by calling Hilton Honors at 855-292-5757, and select the Aspire Card Benefit rate.

Receive up to $200 back per year on flight purchases — issued as up to $50 in statement credits each calendar quarter. Eligible charges include airfare booked directly with an airline or through AmexTravel.com. Unused quarterly credits do not carry over.

Spend $30,000 on the card in a calendar year to earn a bonus free night, and hit $60,000 in the same year to earn a second one. These certificates are in addition to your annual free night and can be used at nearly any Hilton property. Spending totals reset each calendar year.

Get up to $209 back per calendar year toward a CLEAR+ Membership, which lets you move faster through security at participating airports and venues. Pay for your CLEAR+ Membership with this card to receive the credit.

If your card spending hits $60,000 in a calendar year, you earn a third free night certificate. This stacks on top of your annual free night and the one earned at $30,000 in spend, giving you up to three certificates total at nearly any Hilton property.

Reach $30,000 in card purchases within a calendar year and you'll earn a free night certificate redeemable at virtually any Hilton property worldwide. The spend counter resets each January 1, so you can earn this certificate again year after year.

Get access to exclusive tables and dining events at sought-after restaurants through the Resy platform. Add this card to your Resy profile on the Resy app or website to unlock access.

Get Hilton Honors Diamond status — the highest elite tier — automatically as a cardholder. Diamond status includes perks like room upgrades, complimentary breakfast at many properties, and bonus points on stays, and it remains active as long as you hold the card.

Get complimentary National Car Rental Emerald Club Executive status, which lets you choose any car in the Executive or Emerald Aisle at no extra charge. Enrollment in the free Emerald Club program is required to activate the status.

Get primary coverage for damage to or theft of a rental car, plus Accidental Death or Dismemberment coverage, every time you rent using this enrolled card. This is a paid enrollment program with two plan options; enroll your card before renting to activate coverage.

Covers lost, damaged, or stolen baggage when traveling on a common carrier such as a plane, train, ship, or bus. The entire fare must be charged to this card, and coverage limits apply.

Covers damage to or theft of a rental car when you pay the entire rental with this card and decline the collision damage waiver (CDW) at the counter. Coverage is secondary, does not include liability, and is not available for rentals in Australia, Italy, or New Zealand.

Covers eligible expenses when a covered reason delays your round-trip by more than 6 hours. You must have purchased the entire round-trip fare with this card to qualify.

Covers non-refundable trip costs if a covered reason cancels or cuts short your trip. The entire round-trip must be purchased with this card, and only covered reasons — such as illness or severe weather — qualify for reimbursement.

Covers repair or replacement of a damaged or stolen cell phone, up to $800 per claim with a $50 deductible. You must have paid your prior month's wireless bill with this card, and are limited to 2 approved claims per 12-month period.

Adds up to one extra year to the original manufacturer's warranty on eligible purchases made with this card. Applies only to warranties of 5 years or less on covered purchases made in the United States or its territories.

Covers eligible purchases against theft, accidental damage, or loss for up to 90 days from the purchase date. Protection is up to $10,000 per covered purchase and up to $50,000 per calendar year.

Reach a 24/7 concierge service that can help with dinner reservations, event tickets, and other personal arrangements. Call the number on the back of your card and say or select "Concierge" when prompted.

Get 24/7 access to emergency assistance services — including medical, legal, and financial referrals — whenever you travel more than 100 miles from home. Emergency medical transportation may be arranged at no cost, but only if approved and coordinated by the hotline; other third-party service costs remain your responsibility.

Split the cost of a purchase with other Venmo or PayPal users and pay them back with no standard credit card fee through the American Express App. This lets you divide shared expenses directly from the app without extra charges.

Get additional statement credits or rewards on qualifying purchases at select merchants through targeted Amex Offers. Log into the American Express App, add an offer to your card, then make a qualifying purchase before the offer expires.

Send money to any Venmo or PayPal user with no standard credit card fee through the American Express App. This is useful for splitting bills or paying people back without incurring the typical card-payment surcharge those platforms charge.

You can add authorized users to your account at no extra charge — there is no per-cardholder annual fee. Each authorized user gets their own card for making purchases, making it easy to pool spending under one account.

Add this card to Apple Pay, Google Pay, or Samsung Pay to make contactless payments with your phone or device. No special enrollment is needed beyond adding the card to your preferred digital wallet app.

Get free access to your FICO Score and Experian credit report through American Express MyCredit Guide, along with personalized alerts that help flag potential unauthorized activity. Enrollment is required to activate access.

Pay no foreign transaction fees on purchases made outside the United States or in foreign currencies. There are no additional charges beyond the standard purchase amount and any applicable exchange rate.