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kardfolio

Credits by reset window

Open a row for its terms. Each amount is the most the credit is worth in one period.

Quarterly

1 credit

Flight Credit$50 a quarter

Scheduled airfare bought directly from airlines, AmexTravel.com or the Amex Travel App.

Twice a year

1 credit

Hilton Resort Credit$200 each half

Eligible direct purchases at participating Hilton resorts; charge incidentals to your room and pay with the card.

Yearly

1 credit

CLEAR+ Credit$219 a year

Pay for an annual CLEAR+ membership with the card. CLEAR membership enrollment is required.

First membership year and card renewal

1 award

Annual Free Night Reward1 certificate a year

One free-night certificate in the first membership year and each renewal. Log the actual first-year receipt and optional expiry; no spend is required.

Enjoy an Annual Free Night Reward from Hilton Honors in your first year of Card Membership and every year upon Card renewal. ‡

Expires 12 months after it is issued.

Earned through spending

2 awards

Free Night Reward after 30,000 in Purchases1 night a year

One free-night certificate at $30,000 in eligible calendar-year purchases, separate from the $60,000 award; expires one year after issue.

a Free Night Reward from Hilton Honors after the total eligible purchases on their Hilton Honors American Express Aspire Card Account reach $30,000 or more in a calendar year.

Expires 12 months after it is issued.

Free Night Reward after 60,000 in Purchases1 night a year

One additional free-night certificate after another $30,000 beyond the first $30,000 in calendar-year purchases ($60,000 total); expires one year after issue.

totaling $60,000 or more in cumulative purchases in that calendar year. Each Free Night Reward will be issued in the form of a redeemable code and sent to the Basic Card Member via email from

Expires 12 months after it is issued.

$819 a year, before anything is used.

The most these credits are worth.

$819 a year in calendar-reset credits, on 3 clocks.

Credits with calendar reset dates. Each ring is a day a credit ends, whether or not it was used.

  • QuarterlyFlight Credit
    $50 every quarter
  • Twice a yearHilton Resort Credit
    $200 twice a year
  • YearlyCLEAR+ Credit
    $219 once a year

2026 amounts from the kardfolio catalog, before anything is used.

How this card earns

  1. 14 points per dollar:
    HiltonBook direct
    Hilton bookings through Hilton reservation channels and room-charged incidentals paid with the card at checkout.
  2. 7 points per dollar:
    Dining
    U.S. restaurants; excludes nightclubs and restaurants coded as another establishment.
    FlightsDirect or Amex Travel
    Scheduled passenger flights purchased directly from airlines, AmexTravel.com or the Amex Travel App; no charter or private jets.
    Rental carsBook direct
    Rentals purchased directly from select major car rental companies listed by American Express.
  3. 3 points per dollar:

    Everything else

Protections and other benefits

23 benefits
  • Property CreditUp to $100 for eligible charges on qualifying two-night Waldorf Astoria or Conrad stays booked at the Aspire benefit rate.
  • Hilton Honors Diamond StatusComplimentary Hilton Honors Diamond status for the basic cardholder.
  • National Car Rental Emerald Club Executive StatusEnroll through your American Express account for complimentary Emerald Club Executive status.
  • Car Rental Loss and Damage InsuranceSecondary rental-car damage or theft cover when you pay with the card and decline the rental CDW; no liability cover.
  • Purchase ProtectionProtects eligible purchases against theft or accidental damage for up to 90 days, subject to coverage limits.
  • Amex Special Ticket AccessAccess to presale and reserved tickets for select events, subject to availability.
  • American Express Venue CollectionDedicated entrances or fast lanes at select stadiums and arenas with an eligible card and event ticket.
  • Venue Collection Concessions Statement CreditEnroll one eligible card for 10% back on qualifying venue food and drink concessions, up to $250 per calendar year.
  • Baggage Insurance PlanCoverage for lost, damaged or stolen baggage on common-carrier trips paid entirely with the card; coverage limits apply.
  • Extended WarrantyAdds up to one year to eligible original manufacturer warranties of five years or less.
  • Premium Global Assist HotlineEmergency assistance and coordination more than 100 miles from home; third-party charges may apply.
  • Trip Delay InsuranceUp to $500 per covered trip delayed over six hours when the round trip is paid with the card; two claims per 12 months.
  • Trip Cancellation & Interruption InsuranceUp to $10,000 per trip and $20,000 per 12 months for covered cancellations or interruptions of round trips paid with the card.
  • Return ProtectionRefunds eligible U.S. purchases rejected by sellers within 90 days, up to $300 per item and $1,000 per calendar year.
  • Cell Phone ProtectionUp to $800 per claim for covered phone theft or damage after paying the prior wireless bill; $50 deductible and two annual claims.
  • Global Dining Access by ResyAdd the card to Resy for exclusive restaurant reservations, Priority Notify and dining events.
  • Dispute ResolutionHelp with disputed or incorrect card charges.
  • Year-End SummaryAnnual spending summary to review card charges.
  • Additional CardsAdd cards for other people who make purchases for you.
  • Instant Card NumberEligible approved applicants can use their card number online and in supported digital wallets.
  • Send & SplitEnroll to send money and split eligible purchases with Venmo or PayPal through the American Express app.
  • ConciergeRequest help with tickets, reservations, travel inquiries or shopping; you pay for purchases, taxes and fees.
  • Amex OffersEnroll in available merchant offers, then pay with the enrolled card to receive the stated rewards or credits.

Track it only when it belongs to you.

kardfolio starts from cards you choose. What you have used this month stays in your account.

Track this card
Last checked
October 3, 2026
Foreign transaction fee
None

Card terms can change. The issuer’s current terms control. Credit amounts show the most a credit is worth, not guaranteed savings. How card facts are sourced