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Last month, many readers pointed out that their Amex account showed up a unique targeted offer. Many jumped on the targeted offer immediately and upgraded their cards to the Hilton Aspire Card. Why was the offer so valuable? The original terms said that there was no annual fee for the first year, followed by a $95 fee for the second year. For many, this was a fantastic offer for a card that usually charges a $450 annual fee.

$0 Annual Fee Hilton Aspire Card Offer

I logged into my account and guess what, I saw the same offer. I quickly took screenshots of the offer and applied for the upgrade. Amex approved me for the offer right away.

hilton aspire card

Always helps to take screenshots of the offer

In addition, I also downloaded the entire cardmember agreement.

In late December, many readers said that Amex was sending out mailers which contained a different set of terms and conditions, as reported by Doctor of Credit. Here’s what the letter said.

On or after January 30, 2021, you will be charged a prorated Annual Membership Fee for your new card product on the time remaining until your next account anniversary date.

This letter led many to believe that Amex was reneging on its initial offer and was going to charge customers the full annual fee. However, the good news is that Amex has made a positive change that will come as a relief to many who upgraded their cards.

Updated Offer

As per multiple reddit users, it seems like American Express is honoring the first year no annual fee on the Hilton Aspire Card. I logged into my account as well and found the updated cardmember agreement with new terms and conditions.

hilton aspire card

Check your account to see if you have the updated T&Cs


Follow these steps to download your cardmember agreement:

  • Log into your American Express account
  • Select your Hilton Aspire Card from the top right menu
  • Click on the Account Services Tab on top
  • Once the tab opens, click on ‘Request Cardmember Agreement’ on the bottom right of your screen

For those who got approved for this offer, this is a great deal. Amex will charge you no annual fee on the Aspire card. However, you can still use all the benefits that come with the card, the annual free night, the $250 airline credit and the $250 resort credit.

This upgraded offer comes with no bonus points. However, if you’re looking to sign up for the Hilton Aspire Card, you can still get the standard sign up bonus of 150,000 Hilton Honors points. In addition, you’ll get one free night on approval and another when you renew the card each year. Moreover, you’ll also get the $250 airline fee credit and the $250 resort credit, in addition to many more benefits on the card. You can read the full list of benefits here.

The Pundit’s Mantra

Overall, it’s great that Amex is honoring this $0 annual fee offer on the Hilton Aspire Card. However, Amex is also running some great offers on their other Hilton co-branded cards as well. These offers can be great, especially if you’re looking to save on annual fees on credit cards.

Card Limited Time Offer Min. Spend Required
Hilton Honors Card 100,000 points + $100 $1,000
Hilton Surpass Card 150,000 points + $150 $2,000
Hilton Business Card 150,000 points + $150 $2,000


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The American Express Gold Card is currently offering a welcome bonus of 60,000 Membership Rewards points. You’ll earn a welcome bonus of 60,000 Membership Rewards points after you spend $4,000 in the first 6 months after you’re approved for the card.

Moreover, the card offers lucrative bonus earning categories, benefits and credits.

  • 4x points on dining (including takeout and delivery) and grocery spend
  • 3x points on flights
  • $120 dining credit annually
  • $120 Uber Eats/Uber credit annually
  • $100 airline credit (ends on December 31, 2021)
  • No foreign transaction fees

Apply Now