๐Ÿ’ณ American Express ยท Amex

Hilton Honors American Express Aspire Card

Travel Benefits Guide 2026

$550
Annual Fee
โœ…
Lounge Access
Secondary
Rental Coverage
None
Foreign Tx Fee

๐Ÿ“Œ At a Glance: Top Travel Perks

Travel Benefits Breakdown

Here's exactly what you get โ€” and what you don't โ€” when you use the Hilton Honors American Express Aspire Card for travel.

โœˆ๏ธ Lounge Access

Network: Priority Pass Select (1,300+ airport lounges worldwide)

Guest policy: Up to 2 complimentary guests per visit

Complimentary Priority Pass Select membership with enrollment required. Includes 2 complimentary guest passes per lounge visit. Does not include Amex Centurion Lounge access.

๐Ÿ›‚ Global Entry / TSA PreCheck Credit

Get a $100 statement credit every every 4 years when you pay for Global Entry, TSA PreCheck with this card.

Global Entry ($100) includes TSA PreCheck and lets you skip customs lines when returning to the US โ€” worth every cent for international travelers.

โฑ๏ธ Trip Delay Insurance

If your trip is delayed by 6+ hours, you're covered for up to $500/person in expenses.

Covers: meals, lodging, toiletries, medication, other personal use items

Up to $500 per covered trip for delays of 6+ hours. Maximum 2 claims per 12-month period.

Must book travel with this card. Keep all receipts for reimbursement.

๐Ÿšซ Trip Cancellation & Interruption

Reimburses up to $10,000/person (max $20,000/trip) if you must cancel or cut short your trip.

Covered reasons: illness (medically inadvisable per physician), severe weather, jury duty, change in military orders

Maximum $10,000 per covered trip, $20,000 per eligible card account per 12 consecutive months.

๐Ÿงณ Baggage Insurance

Lost/stolen/damaged baggage: Up to $3,000/person

Checked bags: up to $2,000 | Carry-on: up to $3,000

High-risk items (jewelry, electronics) capped at $1,000 per person per trip.

Baggage delay coverage: not included.

๐Ÿฅ Emergency Medical & Evacuation

โœ… Emergency evacuation coordination covered (transportation costs covered).

Premium Global Assist Hotline: 24/7 emergency assistance coordination including medical evacuation transport (Amex covers transport costs). Does not cover medical treatment costs.

๐Ÿš— Rental Car Insurance

Secondary coverage โ€” you must file with your personal auto insurance first, then this card covers the remainder.

Coverage amount: Up to $75,000

Covers: collision damage, theft

Excludes: liability, personal injury

Eligible countries: Worldwide except Australia, Italy, New Zealand, and OFAC-sanctioned countries.

Secondary car rental coverage. Must decline rental company's CDW/LDW. Up to 30 consecutive days.

๐ŸŒ Foreign Transaction Fees

โœ… No foreign transaction fees โ€” use this card internationally without paying an extra 2โ€“3% on every purchase.

๐Ÿ’ฐ Annual Credits & Perks

Rewards Structure

3x Hilton Honors points per $1
Base rate on all purchases
14x at hotels and resorts in the Hilton portfolio
Travel purchases
7x at US restaurants
Dining
7x
US supermarkets
7x
US gas stations
7x
Qualifying flights booked directly with airlines or amextravel.com

Point / Mile Values

  • Cash back / statement credit: ~0ยข per point
  • Travel portal redemption: ~0ยข per point
  • Transfer partners: 0.4โ€“0.6ยข per Hilton Honors point; best redeemed for luxury Hilton stays

Pros & Cons for Travelers

๐Ÿ‘ Pros

  • โœ… No foreign transaction fees โ€” safe to use internationally
  • โœ… Airport lounge access (Priority Pass Select (1,300+ airport lounges worldwide))
  • โœ… Rental car collision coverage (secondary)
  • โœ… Trip cancellation coverage (up to $10,000/person)
  • โœ… Trip delay coverage after 6+ hours
  • โœ… $100 Global Entry/TSA PreCheck credit

๐Ÿ‘Ž Cons

  • โŒ High annual fee ($550) requires heavy use to justify

๐ŸŽฏ Who Is This Card Best For?

Hilton elite travelers who want top-tier Diamond status and can maximize the airline credit, resort credits, and free night award to easily offset the $550 annual fee

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