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Hilton Honors American Express Card vs Hilton Honors™ Aspire Card

Choose between the entry-level and premium Hilton cards.

Megan Horner

Updated Jan 7, 2021

Fact checked

The winner: Hilton Honors American Express Card

100,000-point

Welcome offer after spending $1,000 in first 3 months

7x points on Hilton Honors
5x points at US restaurants, US supermarkets and US gas stations
No annual fee

Apply now Terms apply, see rates & fees

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Please note: All information about Hilton Honors™ Aspire Card has been collected independently by Finder and this card is no longer available through this site.

The Hilton Honors American Express Card is the entry-level, $0-annual-fee Hilton option, offering Silver status in the chain’s loyalty program. It pays 7x points at Hilton and 5x points at US supermarkets, US restaurants and US gas stations. Meanwhile, the Hilton Honors™ Aspire Card is the premium, $450-annual-fee option, offering 14x points at Hilton and 7x points on eligible flights and car rentals and at US restaurants. You’ll also enjoy complimentary Diamond status and a $250 annual Hilton credit.

	Hilton Honors American Express Card See rates & fees	Hilton Honors™ Aspire Card See rates & fees
Finder rating
Finder rating	★★★★★ 4.4 / 5.0	Not rated yet
Best for
Best for	No annual fee plus rewards for Hilton properties and everyday purchases	Complimentary Hilton Honors™ Diamond status
Welcome offer
Welcome offer	100,000 points after spending $1,000 in the first 3 months, plus $100 after your first purchase in the first 3 months	150,000 points after spending $4,000 in the first 3 months
Rewards
Rewards	7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases	14x points on Hilton, 7x on flights, car rentals and US restaurants and 3x points on all other purchases
Purchase APR
Purchase APR	15.74% to 24.74% variable	15.74% to 24.74% variable
Annual fee
Annual fee	$0	$450
Cash advance
Cash advance	APR: 25.24% variable Fee: $10 or 5% of the transaction, whichever is greater	APR: 25.24% variable Fee: $5 or 3% of the transaction, whichever is greater
Foreign transaction fee
Foreign transaction fee	None	None
Late payment fee
Late payment fee	Up to $40	Up to $40
Additional cardholder fee
Additional cardholder fee	$0	$0
Interest-free period
Interest-free period	25 days	25 days
Minimum interest
Minimum interest	$0	$0
Minimum credit score
Minimum credit score	670	680
Card type
Card type	Credit	Credit
Learn more
Learn more	Read review

Our guide to the Hilton Honors program

Compare Hilton Honors American Express Card vs. Hilton Honors™ Aspire Card

Name	Product	Welcome offer	Rewards	Annual fee	Filter values
Hilton Honors American Express Card		100,000 points after spending $1,000 in the first 3 months, plus $100 after your first purchase in the first 3 months	7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases	$0		With a massive welcome offer for a no-annual-fee card and up to 7x points at Hilton, this is a solid pick for Hilton fans and occasional travelers. Terms apply, see rates & fees	Apply now View details	Compare	loading Fetching your data...
Hilton Honors™ Aspire Card		150,000 points after spending $4,000 in the first 3 months	14x points on Hilton, 7x on flights, car rentals and US restaurants and 3x points on all other purchases	$450		150,000 Hilton Honors™ Bonus Points after you spend $4,000 or more in purchases with your new card within the first 3 months of card membership. All information about this card has been collected independently by Finder.	View details	Compare	loading Fetching your data...

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Megan Horner

Megan Horner is the credit cards publisher at Finder. She's passionate about helping you find the best credit cards to meet your financial needs — whether that's earning great rewards or improving your credit score. Megan's expertise has been spotlighted on Lifehacker, CreditCards.com, American Banker and featured on news broadcasts across the country.

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Hilton Honors American Express Card vs Hilton Honors™ Aspire Card