Hilton Honors American Express Card vs Hilton Honors™ Aspire Card

Choose between the entry-level and premium Hilton cards.

Last updated: 19 March 2020

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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 Rates & Fees	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
Purchase APR	15.74% to 24.74% variable	16.74% to 25.74% variable
Annual fee
Annual fee	$0	$450
Balance transfer APR
Balance transfer APR	15.74% to 24.74% variable	16.74% to 25.74% variable
Cash advance
Cash advance	APR: 25.24% variable Fee: $10 or 5% of the transaction, whichever is greater	APR: 26.24% 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

Which card should you choose?

Hilton Honors American Express Card

Get a sizable 75,000-point welcome offer after you spend $1,000 in eligible purchases during your first 3 months of account opening.
Earn 7x points at eligible Hilton hotels and resorts. Earn 5x points at US restaurants, US supermarkets and US gas stations, and 3x points on everything else.
Get a complimentary upgrade to Hilton Honors Silver.

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

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Name	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	15.74% to 24.74% variable	$0	Apply now View details	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	Compare	loading Fetching your data...
CardMatch™ from creditcards.com	See terms	See issuer's website	See terms	See offer View details	Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.	Compare	loading Fetching your data...
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	See offer View details	Earn 75,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening.	Compare	loading Fetching your data...
IHG® Rewards Club Traveler Credit Card	15x total points at IHG hotels, 2x points at gas stations, grocery stores and restaurants and 1x points on all other purchases	17.49% to 24.49% variable	$0	See offer View details	Earn 60,000 points after spending $2,000 in the first 3 months from account opening.	Compare	loading Fetching your data...
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	See offer View details	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	loading Fetching your data...
Marriott Bonvoy Bold™ credit card	3x points at Marriott Bonvoy hotels, 2x on travel and 1x on all other purchases	17.49% to 24.49% variable	$0	See offer View details	30,000 bonus points after you spend $1,000 on purchases in your first 3 months from your account opening.	Compare	loading Fetching your data...
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	See offer View details	140,000 points after spending $3,000 in the first 3 months.	Compare	loading Fetching your data...

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Megan Horner

Megan Horner is the credit cards publisher at finder.com. 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. Previously, she edited and published educational articles on credit cards as an assigning editor at Credit Karma.

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Hilton Honors American Express Card vs Hilton Honors™ Aspire Card