Card economics
Hilton Honors Aspire
Annual fee
$550/yr
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Earn rates
| Category | Rate |
|---|---|
| Dining | 7x |
| Travel - Flights | 7x |
| 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: $219/yr · annual
Up to $219/year for CLEAR Plus membership. Must enroll through Amex.
Card terms verified Jul 20, 2026 against official issuer sources.
Next step
One card is a start. The optimal setup is the whole wallet.
The Hilton Honors Aspire might be great on its own, but the best combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal or is the best setup found within the time limit.
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