Is the Hilton Aspire worth it in 2026?

Keep it+$3,728 year one

Worth keeping long-term. The recurring credits you'd actually use cover the annual fee on their own, before the welcome bonus even enters the math.

Assumes you use every recurring credit and value points at 2.0¢. Adjust for your spend in the calculator →

The year-one math

Welcome bonus150,000 pts × 2.0¢: +$3,000
Recurring credits (if fully used): +$1,278
Annual fee: −$550
Year-one value: +$3,728
Ongoing (year 2+, no bonus)credits − fee: +$728

Recurring credits

Airline Credit$200/yr
Hilton Resort Credit$400/yr
CLEAR Plus$209/yr
Priority Pass Select$469/yr

Apply for the Hilton Aspire

The application happens on Hilton Honors's site. Then track every recurring credit — and your real keep/churn verdict — in the iOS app.

Apply for Hilton AspireiOS app coming soon

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FAQ

Is the Hilton Aspire worth it in 2026?

Keep it. Worth keeping long-term. The recurring credits you'd actually use cover the annual fee on their own, before the welcome bonus even enters the math. This assumes you use every recurring credit and value points at 2.0¢ — adjust both in the calculator for your own situation.

Should I cancel my Hilton Aspire?

Probably not on the numbers alone — the recurring credits ($1,278/yr) already cover the $550 fee, so it pays for itself in year 2+ if you use them.

How is "worth it" calculated?

Year-one value = welcome bonus value (points × cents-per-point) + the annualized value of the card's recurring credits − the annual fee. It's the same model the PointsCraft iOS app uses to show what your wallet is actually worth.