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You have the Hilton Honors American Express Aspire Card
American Express · $550/yr
What you’re getting
- ✓$200 Hilton resort credit annually
- ✓$200 airline incidental credit annually
- ✓1 free night reward annually (+ earn a 2nd at $60k spend)
- ✓Diamond status automatic — highest Hilton tier
- ✓Priority Pass Select unlimited lounge access
- ✓No foreign transaction fees
14x Hilton hotels7x Flights booked direct + car rentals7x Dining at restaurants3x All else
What you’re probably missing
Hotel points book rooms — not flights
This card is a strong hotel play, but it can't fund the flight side of a trip. A transferable-points card alongside it covers airfare and tops up hotel balances when transfer partners line up.
A $550 fee only makes sense if you work the credits
Premium cards front-load statement credits that lapse if unused. If you're not actively tracking activation deadlines and credit calendars, you may be paying more than you're getting back.
Go deeper
- Chase Sapphire Reserve in 2026: $795 fee, $2,000+ in credits, and a Park Hyatt run on the welcome bonus →
- Authorized users in 2026: when the fee pays off, when it doesn't, and the household point-pooling play most couples miss →
- Transferable Points 101: Why Chase UR, Amex MR, Citi TY, and Capital One Miles Beat Airline-Specific Cards →
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