Hilton Aspire Benefits, Credits & Annual Fee

• Venue Collection Concessions Rebate$250 / yrTrackableEnrollment required

  Get 10% back in statement credits on qualifying food and beverage concessions at American Express Venue Collection stadiums and arenas. Enroll your Card before paying with it. Credits are capped at $250 per calendar year, only one Card may be enrolled per Card Member, and the offer ends December 31, 2026.

  Resets: Calendar yearChecked Oct 2, 2026
• Annual Free Night CertificateTrackable

  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.

  Resets: Card anniversaryChecked May 20, 2026
• Hilton Resort Credit$200 / 6moTrackable

  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.

  Resets: Twice a yearChecked May 20, 2026
• Waldorf Astoria / Conrad On-Property Credit$100 / yrTrackable

  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.

  Resets: Calendar yearChecked May 20, 2026
• Flight Credit$50 / qtrTrackable

  Get up to $50 back in statement credits each quarter (up to $200 per year) on flight purchases. Book directly with an airline, through AmexTravel.com, or through the Amex Travel App to qualify.

  Resets: QuarterlyChecked Sep 3, 2026
• $219 CLEAR+ Credit$219 / yrTrackable

  Get up to $219 back per calendar year toward a CLEAR+ Membership after paying for CLEAR+ with the Hilton Honors Aspire Card (excluding taxes and fees; subject to auto-renewal).

  Resets: Calendar yearChecked Sep 27, 2026

Travel Benefits

• Second Free Night Certificate for $30,000 SpendTrackableMin spend $30,000

  Reach $30,000 in card purchases within a calendar year and you will 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.

  Resets: Calendar yearChecked Sep 13, 2026
• Destination Family Cruise and Tour Benefits

  Get access to benefits on qualifying cruises or tour packages. Make a new booking with a participating travel provider through American Express Travel and pay with an eligible American Express Card. Existing bookings and trips with nonparticipating providers do not qualify.

  Checked Sep 27, 2026
• Lowest Hotel Rates Guarantee

  Get a refund of the price difference if you find a lower online rate after booking a qualifying hotel through AmexTravel.com or the Amex Travel App. Submit a claim for the same room, dates, guests, rate type, and booking policies. Rates are compared before taxes and fees.

  Checked Sep 27, 2026
• Third Free Night Certificate for $60,000 SpendTrackableMin spend $60,000

  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.

  Resets: Calendar yearChecked Sep 13, 2026

Hotel Status

• Complimentary Hilton Honors Diamond Status

  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.

  Checked May 20, 2026

Rental Car

• Complimentary National Car Rental Emerald Club Executive StatusEnrollment required

  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.

  Checked May 20, 2026
• Premium Car Rental ProtectionEnrollment required

  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.

  Checked May 20, 2026

Travel Insurance

• Trip Cancellation and Interruption Insurance

  Get reimbursed for nonrefundable expenses if a covered reason cancels or interrupts your trip. Pay for the entire round trip and the expenses with the same Card. Coverage is limited to $10,000 per trip and $20,000 per Card in any 12 consecutive months.

  Checked Sep 27, 2026
• Baggage Insurance Plan

  Get coverage for lost, damaged, or stolen baggage when you pay the entire fare for a plane, train, ship, or bus ticket with your Card. Coverage is in excess of carrier coverage and limited to $3,000 per covered trip, including a $2,000 checked-bag limit and a $1,000 high-risk-item limit.

  Checked Sep 27, 2026
• Car Rental Loss and Damage Insurance

  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.

  Checked Sep 27, 2026
• Trip Delay Insurance

  Get reimbursed for certain additional expenses after a covered trip delay of more than six hours. Pay for the entire round trip with your Card and charge the additional expenses to that same Card. Coverage is capped at $500 per trip and two claims per Card in any 12 consecutive months.

  Checked Sep 27, 2026

Bonus Earnings

• 14X Points on Hilton Hotels and Resorts14x points

  Earn 14X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton Portfolio.

  Checked Sep 14, 2026
• 7X Points on Flights, Car Rentals, and U.S. Restaurants7x points

  Earn 7X Hilton Honors Bonus Points on flights booked directly with airlines or AmexTravel.com, car rentals booked directly with select car rental companies, and at U.S. restaurants including takeout and delivery.

  Checked Oct 1, 2026
• Hilton Honors Bonus Points on Eligible Purchases

  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.

  Checked May 20, 2026
• 3X Points on All Other Eligible Purchases3x points

  Earn 3X Hilton Honors Bonus Points on other eligible purchases.

  Checked Sep 14, 2026

Dining Benefits

• Global Dining Access by ResyEnrollment required

  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.

  Checked May 20, 2026

Purchase Protection

• Return Protection

  Get a refund for an eligible purchase if the seller won't take it back within 90 days of purchase. Pay for the item entirely with your Card, then request a return through American Express. Refunds exclude shipping and handling and are capped at $300 per item and $1,000 per calendar year per account.

  Checked Sep 27, 2026
• Cell Phone Protection

  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.

  Checked Sep 26, 2026
• Extended Warranty

  Get up to one additional year of coverage matching the original manufacturer's warranty on covered purchases. Pay with your Card for an item bought in the U.S. or its territories or possessions with an original warranty of five years or less. Coverage is capped at the amount charged, up to $10,000 per item and $50,000 per calendar year.

  Checked Oct 7, 2026
• Purchase Protection

  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.

  Checked Sep 26, 2026

Concierge & Membership

• Concierge

  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.

  Checked May 20, 2026
• Premium Global Assist Hotline

  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.

  Checked Sep 26, 2026

Entertainment

• American Express Venue Collection Entrances and Fast Lanes

  Get access to American Express Card Member entrances or fast lanes at participating American Express Venue Collection locations. Look for the designated entrance or lane and have your Card ready to show. Availability varies by venue; some offer an entrance, a fast lane, or both.

  Checked Sep 27, 2026
• Amex Preferred Tickets

  Get access to purchase Amex Preferred Tickets for select events and seats. Look for the Preferred Tickets option when tickets go on sale and use an eligible American Express Card to buy. Tickets are available only during the specified sales period while supplies last.

  Checked Sep 27, 2026
• Amex Special Ticket Access

  Get access to purchase Amex Presale Tickets and Amex Reserved Tickets for select sports, music, and other events. Look for eligible events and use your American Express Card when purchasing. Ticket availability and any on-site perks vary by event.

  Checked Sep 27, 2026

Fees & Miscellaneous

• Split Purchases

  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.

  Checked May 20, 2026
• Amex OffersEnrollment required

  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.

  Checked May 20, 2026
• Amex Send®

  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.

  Checked May 20, 2026
• Authorized User No Annual Fee

  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.

  Checked May 20, 2026
• Digital Wallets

  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.

  Checked May 20, 2026
• FICO® Score and InsightsEnrollment required

  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.

  Checked May 20, 2026
• No Foreign Transaction Fees

  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.

  Checked May 20, 2026