Hilton Honors Aspire Card: what it earns

Updated October 17, 2026 · from RightCard's verified card and merchant data

Hilton Honors Aspire Card earns 7x points at restaurants, 7x points at travel (flights), and 3x points on everything else. We value Hilton Honors at 0.4¢ per point toward travel and 1¢ as cash; the table below shows both readings. Annual fee: $550.

Every category, as published

The everyday rates only. No welcome bonus, no limited-time offers. Where a rotating 5% quarter is live today it is noted in the row.

Category	Earn	≈ value / $1
Restaurants	7x points	7¢ cash · 2.8¢ travel
Supermarkets	3x points	3¢ cash · 1.2¢ travel
Gas stations	3x points	3¢ cash · 1.2¢ travel
Travel	3x points · 7x points flights	3¢ cash · 1.2¢ travel
Online shopping	3x points	3¢ cash · 1.2¢ travel
Drugstores	3x points	3¢ cash · 1.2¢ travel
Transit & rideshare	3x points	3¢ cash · 1.2¢ travel
Streaming	3x points	3¢ cash · 1.2¢ travel
Everything else	3x points	3¢ cash · 1.2¢ travel

Travel value uses 0.4¢ per point for Hilton Honors, a conservative figure. Cash redemptions on most points programs pay 1¢ or less.

Where it beats a flat 2% card

Restaurants. Everywhere else a plain 2% card earns more, so this card is a category card, not an everything card.

Built-in store rates

Permanent card benefits in our verified data, not offers.

Store	Rate
Hilton Hotels & Resorts	14%
Hampton Inn	14%
DoubleTree by Hilton	14%

Statement credits

Verified from the issuer's terms. A credit is worth its face value only if you would spend there anyway.

Credit	Amount	Per year
Hilton Resort Credit	$200 twice a year	$400 / yr
Flight Credit	$50 quarterly	$200 / yr
CLEAR+ Credit	$219 yearly	$219 / yr

Tick the ones you would use and get the fee verdict →

Delivery apps and the dining rate

DoorDash, Uber Eats and Grubhub set their own merchant codes. Chase and Amex write delivery into their dining terms; read yours once. The DoorDash breakdown.

See it against the rest of your wallet →

Other American Express cards: Hilton Honors Surpass · Marriott Bonvoy Brilliant Amex · The Business Platinum Card from Amex

How RightCard handles this: add the Hilton Honors Aspire Card in the app and it competes with your other cards at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and private. No bank login. Recommendations are computed on your phone.

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FAQ

What does the Hilton Honors Aspire Card earn at supermarkets?

3x points at stores that code as supermarkets. Superstores and warehouse clubs usually do not count.

What does the Hilton Honors Aspire Card earn on everything else?

3x points on purchases outside its bonus categories.

Is the Hilton Honors Aspire Card's $550 fee worth it?

Only if the credits and rewards you would actually use add up to more than $550 a year. Our coupon-book tool lets you tick the credits you would use and see the verdict.

How much are Hilton Honors Aspire Card points worth?

About 0.4¢ each toward travel by our conservative estimate for Hilton Honors, and 1¢ or less as cash.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

More guides: Rate my wallet · All cards · Restaurants guide