Why the Hilton Aspire is my favorite hotel credit card
Advertiser disclosure
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That’s why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don’t cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Advertiser disclosure
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That’s why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don’t cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
-
Matt Moffitt is a contributing editor and expert in getting the most out of credit cards and points (he carries at least 25 cards in his wallet at any given time). Originally from Sydney, Australia, he won the Green Card Lottery and lived in Austin, Texas for 10 years before relocating to Spain in 2025.
October 13, 2026 • 10 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
Every October, when the annual fee on my Hilton Honors American Express Aspire Card posts, I take another look at whether it deserves a place in my wallet.
I hold multiple premium credit cards and pay more than $3,000 in combined annual fees across my 25-plus cards. That makes it important to distinguish the benefits I actually use from the ones that look impressive on paper.
The Aspire has remained my favorite hotel credit card for more than five years. This month, I renewed it again.
Between a memorable free night in Copenhagen, Diamond benefits that improve my stays abroad and statement credits I can work into my travel plans, I continue to receive far more value than the card’s $550 annual fee (see ).
Here’s how I use it — and why it still isn’t the card I reach for when paying for most hotel stays.
My best free night certificate redemption yet
The annual free night reward is one of the Aspire‘s headline benefits. Cardmembers receive one in their first year and another each year upon renewal.
In July, I used mine at Nimb Hotel in Copenhagen, Denmark — and I think it was my best Hilton redemption yet.
Copenhagen is an expensive hotel market, and cash rates for my night were above $1,000. Nimb sits across from Central Station, making it convenient to get to and from the airport, and overlooks Tivoli Gardens.
The historic property felt special from the moment I arrived. I received an upgrade to a huge suite with a separate shower and bathtub, plus a generous selection of complimentary snacks and nonalcoholic drinks. Many were Danish products, which made the minibar more interesting than the usual assortment.
I suspect my one-night stay improved my chances of an upgrade during the busy summer season, though I can’t know for certain.
One of my favorite moments was floating in the rooftop pool at sunset, enjoying Copenhagen’s long summer evening. The next morning, I had a delicious breakfast overlooking the gardens with a local friend.
The spacious, well-equipped gym was also one of the best I’ve encountered in a hotel, and the service throughout my stay was excellent.
Hotel guests receive admission and unlimited ride access to Tivoli Gardens. I got a wristband, but with school vacation crowds and long lines, I skipped the rides and just walked around.
I would happily have stayed another night. However, that required more than 120,000 Hilton points or over $1,000 in cash, so I moved on.
I wouldn’t normally pay that much for one night at a hotel. Still, the certificate gave me access to a memorable stay that would otherwise have been difficult to justify.
How I’m stacking Hilton’s resort credit for $600 in value
For next summer, I’ve reserved three nights at the Hilton Rijeka Costabella Beach Resort & Spa in northern Croatia. I’m planning to visit with my parents after a trip through Slovenia.
Rather than waiting until checkout, I’ve been making deposits toward the reservation. Last December, I emailed the front desk for a payment link, then charged a $200 deposit to my Aspire. I repeated that in March, and both credits have posted.
My next step is to make a third $200 deposit before the end of the year, bringing the amount covered by credits to $600 by the time I arrive. (That total spans three benefit periods; the annual allowance remains $400.)
I’ve successfully used this approach at the Boeira Garden Hotel Porto Gaia (a Curio Collection property), in Porto, Portugal. I paid a $200 deposit in one benefit period and then applied another $200 credit toward the balance at checkout in a later period.
There are trade-offs. My Croatia deposits are nonrefundable, although I can change the dates while keeping the same reservation. I’d recommend confirming the hotel’s payment and cancellation policies before trying this approach.
For a trip I’m already planning, this strategy helps me use credits that might otherwise expire.
How I maximize the flight credit
The Hilton Aspire‘s flight credit is easier to fit into my card strategy.
Cardmembers can receive up to $50 in statement credits each calendar quarter (for up to $200 annually) on eligible airfare purchased directly from an airline, the Amex Travel App™ or through American Express Travel®.
In previous quarters, I’ve received credits after paying for seat upgrades or baggage fees. Recently, I’ve been using the benefit for inexpensive flights around Europe.
Since moving to Spain a year ago, I’ve found that many short-haul flights cost less than comparable domestic trips I used to take in the U.S.
For a long weekend in Ibiza next month, I booked a round-trip flight from Madrid directly through Iberia for $72. My $50 statement credit posted four days later, bringing my net airfare cost to just $22.
Some award-ticket taxes and fees have also triggered the credit for me, although this may depend on how the airline processes the transaction.
I keep reminders to use benefits like this. With flights already part of my travel plans, maximizing all four quarterly credits is a realistic way for me to receive $200 annually without unnecessary spending.
What Diamond status actually gets me outside the U.S.
At participating brands outside the U.S., the breakfast benefit is a complimentary continental breakfast (for the member and one registered guest). Many of my stays have included a more substantial breakfast, which I prefer to the daily food-and-beverage credit generally offered at participating U.S. properties.
Space-available room upgrades and executive lounge access also elevate my stays. Lounges usually have a smaller food selection than the main restaurant, but I enjoy the calmer atmosphere and often more attentive service.
During Eurovision earlier this year, I stayed at the Hilton Vienna Park. Its evening lounge spread was substantial enough to make an early dinner out of it, saving me the cost of a meal.
Offerings vary by property, so I wouldn’t assume every happy hour can replace dinner. In Vienna, though, it was a benefit I looked forward to using.
Diamond also makes me eligible for Hilton’s fifth-night-free benefit on qualifying standard-room reward stays booked entirely with points. (This is available to Silver members and above, so it isn’t exclusive to Diamond.) I used it more frequently during longer trips; these days, my hotel stays tend to be shorter.
Where the Aspire doesn’t win
Despite those benefits, I only use the Hilton Aspire for purchases that help me use its statement credits.
Other cards offer a better return
The Aspire earns 14 Hilton points per dollar on eligible purchases made directly with Hilton properties. At TPG’s October 2026 valuation of 0.4 cents per point, that’s a 5.6% return.
The Reserve earns 4 transferable Chase Ultimate Rewards points per dollar on hotels booked directly. At our October 2026 valuation of 2.05 cents per point, that’s a superior 8.2% return on purchases that earn rewards.
I still receive my eligible Hilton base points and Diamond bonus when paying with the Reserve.
Hilton points have a relatively low valuation
Hilton points sit below IHG points at 0.6 cents, Marriott points at 0.75 cents and Hyatt points at 1.65 cents in our October 2026 valuations.
I can still find high-value redemptions, but doing so takes research.
Some benefits are less useful to me
The U.S. food-and-beverage credit is less appealing to me than the breakfasts I’ve received abroad. Its value depends on the property, and it may not cover the breakfast I would otherwise order.
Bottom line
The Hilton Aspire continues to earn its place in my wallet because I can use its benefits without significantly changing my travel habits. Fully utilizing the up to $400 in annual Hilton resort credits and up to $200 in flight credits can more than offset the card’s $550 annual fee, even before accounting for the annual free night reward and Diamond status.
I wouldn’t be surprised to see a refresh and a higher fee within the next year. That’s speculation, but any increase would prompt me to reassess it.
That doesn’t mean it’s the best card for every Hilton purchase. I still prefer earning transferable Chase Ultimate Rewards points on most paid Hilton stays, but the Aspire’s ongoing benefits make it worth keeping for my travel patterns.
For prospective cardmembers, the current welcome offer is the highest we’ve seen: Earn 200,000 bonus Hilton Honors points after spending $6,000 on purchases in the first six months of card membership. The offer ends Jan. 13, 2027, making this a particularly strong time to apply if the card fits your travel habits.
For me, a sunset swim in Copenhagen and a head start on next summer’s family trip to Croatia made renewing for another year an easy decision.
For rates and fees of the Hilton Honors Aspire, click here.
