For Hilton enthusiasts, co-branded credit card options abound. After the hotel giant went exclusive with American Express in 2018, the issuer revamped its co-branded card offers, debuting several Hilton cards with different annual fees:
- The Hilton Honors American Express Card (annual fee of $0).
- The Hilton Honors American Express Surpass® Card (annual fee of $95).
- The Hilton Honors American Express Aspire card (annual fee of $450).
The more expensive cards come packed with rich benefits and rewards, while the no-annual-fee card comes with fewer side perks. That raises the question: Should you pay more to get more? The answer depends on your spending.
The Hilton cards, compared
The Hilton cards share the same loyalty program, issuer and blue-purple color, but offer different levels of rewards and perks. Here’s how they stack up.
|Hilton Honors American Express Card||Hilton Honors American Express Surpass® Card||Hilton Honors American Express Aspire card|
Hilton points are worth 0.5 cent each on average, according to NerdWallet valuations. To find out which Hilton card is ideal for you, run the numbers.
Your cheat sheet for choosing a Hilton card
Before making your final decision, take a top-floor balcony view of your options and make sure you’re choosing a card that’s right for you.
If you’re looking for a no-annual-fee sidekick card: The Hilton Honors American Express Card
If you wanT lounge benefits and other perks, but not a huge annual fee: The Hilton Honors American Express Surpass® Card
If you’re Willing to pay more to travel in style: The Hilton Honors American Express Aspire card
Even with an annual fee of $450 a year, the Hilton Honors American Express Aspire card could be a great deal for frequent travelers who stay at Hiltons regularly. That’s because it comes with a complimentary weekend night reward included each year (regardless of how much you spend), a $250 airline fee credit, a $250 Hilton resort credit, plus Priority Pass Select membership, automatic Diamond status and a bevy of other top-flight benefits. Terms apply. For travelers who can take advantage of all those perks, the card’s benefits far outweigh its annual fee.
Information related to the Hilton Honors American Express Aspire card has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.