Card economics
Hilton Honors Aspire
Annual fee
$550/yr
Some links are affiliate links. Depending on the program, we may receive compensation when you click, apply, or are approved, at no additional cost to you. Commissions are not solver inputs or ranking criteria; issuer terms, eligibility, channel offers, and your assumptions control the modeled result. Read the affiliate disclosure
Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
| Category | Rate |
|---|---|
| Hilton Properties | 14x |
| Dining | 7x |
| Flights outside issuer portals | 7x |
| Amex Travel - Flights | 7xPortal only |
| Everything else | 3xBase rate |
Fee calculator
Sticker Fee
$550/yr
Credits
-$600
Effective Fee
$0
Credits & Benefits
Max: $400/yr · semiannual
$200 semi-annually ($400/yr total) at Hilton Resorts only. Not all Hilton properties qualify — must be a 'resort'.
Max: $200/yr · quarterly
$50/quarter for airline purchases. Auto-applied. Covers any airline.
Max: $300/yr · annual
Automatic free night reward each card anniversary. No point limit. Value depends on property chosen.
Max: $209/yr · annual
Up to $209/year for CLEAR Plus membership. Must enroll through Amex.
Catalog record last reviewed Aug 2, 2026. Issuer terms and available offers control and may change.
Next step
One card is a start. The modeled setup is the whole wallet.
The Hilton Honors Aspire might be useful on its own, but the modeled combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal within that run's inputs or is the strongest valid setup found before timeout.
Run the optimizer — free