CardflareHilton Honors Aspire
American Express
Key facts
- Annual fee$550
- RewardsPoints
- Everything else earns3x points
- Minimum credit score740
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Travel (hotel) — booked direct | 14x points | No cap stated |
| Travel (air) | 7x points | No cap stated |
| Dining | 7x points | No cap stated |
| Everything else | 3x points | No cap stated |
Rates with conditions
- 7x points on Travel (other) — car rentals booked directly with select car rental companies only
Signup bonus
200,000 points after $6,000 of spend in the first 6 months.
Offer expires 2027-01-13.
Credits and benefits
The credits the catalog models as fee offsets. Not a complete list of every perk.
- $200 twice a year at Participating Hilton Resorts — Up to $200 semi-annually ($400 per year) on purchases made directly with participating Hilton Resorts
- $50 a quarter — Up to $50 per quarter ($200 per year) on flights purchased directly with an airline or through AmexTravel.com / Amex Travel App
- $219 a year at CLEAR+ — Up to $219 per calendar year for a CLEAR+ membership
- $100 a year at Waldorf Astoria / Conrad — Up to $100 credit for qualifying charges per 2-night minimum stay booked at HiltonHonorsAspireCard.com with the Aspire Card Benefit rate
Terms as of 2026-09-10. Hand-curated approximate terms; verify with the issuer before applying. Annual credits are rough fee offsets, not a calendar of every perk or lounge access. Cardflare is not affiliated with American Express; the card name is its owner's trademark.