Hilton Honors American Express Card vs Hilton Honors™ Aspire Card

Two valuable cards for Hilton regulars.

Last updated:

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

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.

Both of these cards are issued by American Express and let you earn Hilton reward points on your purchases. The main difference between them is that the Hilton Honors American Express Card is an entry-level, no-annual-fee card (see rates & fees), while the Hilton Honors™ Aspire Card is a high-end version with the ultimate perks.

Check out the detailed perks and benefits of each card in the comparison table below.

Hilton Honors American Express Card

Hilton Honors American Express Card

Hilton Honors™ Aspire Card

Hilton Honors™ Aspire Card

Best for
Best for
  • No annual fee plus rewards for Hilton properties and everyday purchases
  • Complimentary Hilton Honors™ Diamond status
Welcome offer
Welcome offer

75,000 points after spending $1,000 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 (annual percentage rate)
Purchase APR (annual percentage rate)

17.24% to 26.24% variable

17.24% to 26.24% variable

Annual fee
Annual fee $0 $450
Balance transfers
Balance transfers APR: 17.24% to 26.24% variable

Fee: $5 or 3% of the transaction, whichever is greater

APR: 17.24% to 26.24% variable

Fee: $0 or 0% of the transaction, whichever is greater

Cash advance
Cash advance

APR: 26.74% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 26.74% 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 $39 Up to $39
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
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
Learn more
Learn more

Read review

Which card should you choose?

Hilton Honors American Express Card

Hilton Honors American Express Card

  • Earn 7x Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands.
  • Earn 5x Hilton Honors Bonus Points for each dollar of eligible purchases at US restaurants, US supermarkets and US gas stations.
  • Earn 3x Hilton Honors Bonus Points for all other eligible purchases on your card.

Hilton Honors™ Aspire Card

Hilton Honors™ Aspire Card

  • 14x Hilton Honors Bonus Points when you make eligible purchases on your card at participating hotels or resorts within the Hilton Portfolio.
  • Earn 7x points on eligible purchases on your card for flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies, and US restaurants.
  • Earn 3x points on all other eligible purchases.

Our guide to the Hilton Honors program

Compare credit cards

Name Product Filter values Rewards Purchase APR Annual fee
Hilton Honors American Express Card
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.24% to 26.24% variable
$0
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
CardMatch™ from creditcards.com
See terms
See issuer's website
See terms
Can't decide on a card? Get personalized credit card offers with CardMatch™.
Marriott Bonvoy Boundless™ Credit Card
6x points at Marriott Bonvoy hotels and 2x points on all other purchases
17.49% to 24.49% variable
$95
Earn 75,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening.
IHG® Rewards Club Premier Credit Card
25x points at IHG hotels, 2x on gas, groceries and dining and 1x on all other purchases
17.49% to 24.49% variable
$89
80,000 points after spending $2,000 in the first 3 months.
The World of Hyatt Credit Card
9x points at Hyatt hotels as a World of Hyatt member, 2x on gyms, commuting, dining and airlines and 1x on all other purchases
17.49% to 24.49% variable
$95
Earn 25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months.

Compare up to 4 providers

Compare American Express credit cards

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site