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How To Maximize the Hilton Aspire Card Resort Credit for Multiple Night Stays

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Carissa Rawson

Carissa Rawson

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Carissa served in the U.S. Air Force where she developed her love for travel and new cultures. She started her own blog and eventually joined The Points Guy. Since then, she’s contributed to Business ...
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The Hilton Honors American Express Aspire Card is one of our favorites here at Upgraded Points, and for good reason. Although it comes with a hefty annual fee, it also sports a dozen different perks that mean it outclasses every other travel card out there.

One of its many benefits is the annual resort credit, a $250 credit usable at any of Hilton’s resorts. While this isn’t as broad as the free night certificate offered by the Marriott Bonvoy Brilliant® American Express® Card, savvy travelers can make great use of the Hilton credit for stays of multiple nights — with nothing out of pocket.

Let’s break down what the credit is, how to use it, and the best places for you to maximize your Hilton Aspire card’s annual resort credit.

Hilton Aspire Card Benefits

Hilton Honors American Express Aspire CardTerms Apply / Rates & Fees

Hilton Honors American Express Aspire Card

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The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.

Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.

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Hilton Honors American Express Aspire Card

Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.
Earn 150,000 Hilton Honors Bonus Points with the Hilton Aspire card from American Express after you use your new card to make $4,000 in eligible purchases within the first 3 months of card membership.
150,000 points
20.74% - 29.74% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

Paying hundreds of dollars for an annual fee on a co-branded hotel card might seem ridiculous, but you should know that the Hilton Honors American Express Aspire Card is much more than your run-of-the-mill hotel credit card.

The Hilton Aspire card is not only a phenomenal card for Hilton Honors loyalists, but even those who visit Hilton hotels just a few times a year can still get excellent value out of all the benefits that are packed into this card.

So let’s have a look at what makes the card so valuable to travelers.


  • 14x points per $1 on Hilton purchases
  • 7x points per $1 on select travel and at U.S. restaurants
  • 3x points per $1 on all other purchases
  • Complimentary Hilton Diamond status
  • $250 Hilton Resort statement credit
  • $250 airline fee credit
  • 1 Free Weekend Night Award each cardmember anniversary
  • Priority Pass Select membership
  • $100 credit at Waldorf Astoria and Conrad properties


  • High annual fee of $450
  • Earn 150,000 Hilton Honors Bonus Points with the Hilton Aspire card from American Express after you use your new card to make $4,000 in eligible purchases within the first 3 months of card membership. Plus, enjoy a free Weekend Night Reward within your first year and every year after renewal.
  • Earn 14x Hilton Honors Bonus Points when you make eligible purchases on your card at participating hotels or resorts within the Hilton portfolio.
  • Earn 7x Hilton Honors Bonus Points for eligible purchases: on flights booked directly with airlines or, on car rentals booked directly from select car rental companies, and at U.S. restaurants.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your card.
  • Enjoy up to $250 in Hilton Resort Credits on your card each anniversary year when you stay at participating resorts within the Hilton portfolio.
  • Enjoy complimentary Diamond status.
  • $450 annual fee.

Financial Snapshot

  • APR: 20.74% - 29.74% Variable
  • Foreign Transaction Fees: None

Card Categories

Before we launch into the resort credit, it’s a good idea to break down all the benefits the actual card offers. Why? Because these benefits are going to affect your stay. As a cardholder, you are entitled to Diamond status, Hilton’s top-tier elite status, as long as you hold the card. This means you’re going to get things like free breakfast (soon to be a food and beverage credit in the U.S.) and executive lounge access wherever you go.

Here are all the perks that the Hilton Aspire card offers:

The card also features a welcome bonus of 150,000 Hilton Honors Bonus Points after you use your new card to make $4,000 in eligible purchases within the first 3 months of card membership, as well as a free night certificate during your first year of ownership.

Note that not all of these benefits have to do with Hilton hotels; as you can see, there are airline fee credits and a Priority Pass membership, both of which will go a long way toward making your journey to the hotel much more comfortable.

Bottom Line: The Hilton Aspire card has industry-leading benefits that make it well-worth holding, despite its high annual fee. 

What Is the Hilton Aspire Card Resort Credit?

Seychelles is a dream destination and the Hilton Seychelles Labriz Resort & Spa is the perfect place to stay with your resort credit. Image Credit: Hilton

The resort credit, which renews each cardmember anniversary, provides a statement credit for up to $250 in eligible charges at nearly 250 Hilton Resorts. Hotels that are not on this list do not qualify for the statement credit. 

While a lot of people focus on using the credit for incidentals such as food or beverage charges, the credit can actually be much more useful.

When the card initially launched, the resort credit could be used for any room charges, including advanced and prepaid room rates. After the first year, however, Hilton altered the terms of the credit so that this was no longer the case.

Although this is unfortunate, you are still able to use the resort statement credit for room rates — as long as they aren’t prepaid. This includes special rates that the hotel offers, such as discounts for extended stays, AAA membership discounts, and more. This is important because oftentimes you’ll find better deals using those sales rather than Hilton’s “best available rate.”

A good rule of thumb is if the rate your booking does not charge you for the entirety of the stay upfront, then it should qualify for the Hilton Resort credit.

Bottom Line: You can redeem your Hilton Resort credit for up to $250 each year in incidentals at one of nearly 250 Hilton Resorts. 

How Does the Hilton Aspire Card Resort Credit Work?

Diplomat Beach Resort Hollywood, Curio Collection by Hilton is one of the resorts you can stay at. Image Credit: Hilton

The resort credit is very simple to use — you just need to pay with your card at an eligible hotel and the credit will be automatically applied as a statement credit.

This is better than simply having $250 because, in addition to the perks you receive as a Hilton Aspire cardholder, you’ll also earn 14x Hilton Honors points on all Hilton purchases.

Since the credit is offered after the fact, you’ll still earn points on your charges, for a total of 3,500 points. Although we only value Hilton Honors points at a half-cent each, that’s still $17.50 in free bonus points.

Of course, those are in addition to the bonus points you’ll earn as a Diamond member. As a top-tier elite, you’ll earn 20 points per dollar spent at Hilton hotels, which means you’ll earn a further 5,000 bonus points for your stay of $250.

All in, you’ll receive 8,500 bonus points that we value at $42.50. That’s pretty good for $250 in reimbursed charges.

Hot Tip: Standard room rewards start at 5,000 points, which means you’ll have earned enough for a free night once you’ve redeemed your credit. 

Finally, we’ve already mentioned this, but it bears repeating: the Hilton Aspire card resort credit is valid only at the nearly 250 hotels listed on Hilton’s website. It doesn’t matter if the hotel you’ve stayed at has the word “resort” in its name, if it has a plethora of pools, or it’s located in some exotic, far-flung destination. If it is not on the list, your credit will not be applied.

Bottom Line: The Hilton Resort credit is automatically applied when you pay your room charges with your Hilton Aspire card

What Can You Use the Hilton Aspire Resort Credit for?

The Hilton Bali offers beautiful beaches and is eligible for the resort credit. Image Credit: Hilton

We’ve already mentioned a few different uses of the Hilton Aspire card resort credit, but aside from room rates and restaurant charges, the credit is quite flexible.

There are 3 main requirements for using this credit:

  1. The charge must be made at an eligible resort
  2. The cost must be charged to your room
  3. You must pay for your room using your Hilton Aspire card

This opens up some interesting options for use if you’re not planning on using the resort credit for your hotel stay — if, for example, you’re using points so that your room rate is covered, you can still take advantage of the credit for various activities.

In places like Hawaii, if you charge the cost of any excursions to your room, they’ll be covered by the credit. This can be great for cultural activities such as luaus or city tours. Meanwhile, in Rome, you can splurge on a Michelin-starred meal at La Pergola that’s eligible for reimbursement.

Spa charges also qualify, as do room service and the cash cost of an upgrade — so go ahead and treat yourself to that corner room — it’s covered.

Bottom Line: As long as it can be charged to your room and paid for with your card at an eligible hotel, the $250 Hilton Resort credit applies.

How To Choose Eligible Room Rates

We’ve already mentioned that prepaid and advance rates are not eligible for the credit, but a number of others are. When choosing your room rate, there are a number of factors you’ll want to consider. In some cases, the “best available rate” can be the best option, but Hilton offers frequent sales that’ll still be eligible for the credit, so make sure that you’re booking the best rate for you.

For example, at the Hilton Sharks Bay Resort in Egypt, you’ll find that the cheapest room rate includes breakfast and has a waived early departure fee:

Image Credit: Hilton

While we wouldn’t normally recommend booking a rate that includes breakfast, since as a Diamond elite you’re already entitled to free breakfast for you and another adult, in this case, it’ll actually save you money.

At other hotels, like the DoubleTree by Hilton Mazatlán, this feature will cost you more and add no value to your stay:

Image Credit: Hilton

However, there may be some situations in which you’ll want to pay a little more for your room rate. The DoubleTree Mazatlán, for example, will give you a daily $50 resort credit for a little over $25 more per night than its cheapest rate:

Image Credit: Hilton

Even if you chose to stay 3 nights and ended up paying that $59 out of pocket for the increased room rate, you’ll be getting an additional $150 in credits to use. That’s $400 in value between your Hilton Aspire card resort credit and the room rate resort credit. Not bad!

You can also choose to build up your stash of Hilton points by paying for the double points rate, which would mean on a $250 stay you’d end up with 10,000 bonus points as a Diamond elite, in addition to the 3,500 you’d get from your Hilton Aspire card.

We value those points at $67.50, but you can absolutely redeem them for more than that — Hilton reward nights start at just 5,000 points per night, so by choosing this 2x point rate you’ll earn nearly enough points for 3 free nights!

Bottom Line: There are plenty of things to consider when choosing the room rate for your resort, so make sure you’re choosing the best rate for you, even if it’s not the cheapest.

How To Maximize the Hilton Aspire Card Resort Credit

You can enjoy the white sand beaches at the Zemi Beach House with your credit. Image Credit: Hilton

If you’re not going to be using points for your stay, the Hilton Aspire resort credit can be an excellent way to cover your hotel costs. At first glance, the list of Hilton Resorts seems eye-waveringly expensive. At the Ho’olei at Grand Wailea, for example, your $250 credit isn’t going to do much for the $1,986 nightly room rate.

Dig into this list, however, and you’ll see that there are a number of resorts that are extremely affordable, which means that you can turn that $250 into a hotel stay spanning 3, 6, or even 7 nights.

Now let’s take a look at some ways you can maximize your Hilton Aspire resort credit at these hotels.

1. DoubleTree by Hilton Phuket Banthai Resort (Thailand)

Enjoy poolside rooms at the DoubleTree Phuket. Image Credit: Hilton

Phuket is one of Thailand’s most well-known tourist destinations, and for good reason. Its fabulous beaches and scuba diving combine with Thailand’s low-costs to provide a high-end experience for affordable prices.

There is perhaps a no better example of this than the DoubleTree Phuket, where room rates start as low as $39 per night. We found some great rates at this hotel — if you’re simply looking for length, you can book the base room for 6 full nights and still be under the $250 threshold.

This converts to about $244. Image Credit: Hilton

But since the hotel is going to be reimbursed anyway, why not splurge and go for a premium room with swim-up pool access? You can still swing 4 nights while enjoying the perks of direct pool access (first to the swim-up bar, anyone?).

This converts to about $233. Image Credit: Hilton

Regardless of the rate you choose, you’ll be able to stay for multiple nights and really maximize your credit.

Bottom Line: Enjoy a luxurious experience for less by taking your credit all the way to the DoubleTree Phuket, where you can stay for 6 nights with your resort credit. 

2. Hilton Sharks Bay Resort (Egypt)

Enjoy 7 different pools at the Hilton Sharks Bay Resort. Image Credit: Hilton

Long a mainstay on our must-visit list, the Hilton Sharks Bay Resort features a private beach, 7 different pools, and 10 restaurants. Sharm El-Sheikh was a hugely popular tourist destination prior to the Arab Spring, and it shows with this resort, whose luxurious facilities come with ridiculously low prices.

You can stay an entire week here for less than $250.

Image Credit: Hilton

Considering you’ll be enjoying a private beach on the Red Sea — home to fabulous diving and snorkeling — this is an absolute steal.

As an aside, this hotel is one of the cheapest you’ll find on points. At just 8,000 points a night, you can throw an additional 5 nights onto your stay and take advantage of Hilton’s fifth-night free benefit to pay just 32,000 points:

Image Credit: Hilton

Now, 12 nights may be a bit long for anyone to stay anywhere, but the mere fact that you could swing this for 32,000 points and a $250 statement credit is awesome.

Bottom Line: Marvel at the massive Sharks Bay Resort, whose private beach opens to the Red Sea. Your resort credit can snag you a full week at this hotel. 

3. DoubleTree by Hilton Hotel Orlando at SeaWorld (Florida, U.S.)

This family-friendly resort is the perfect base to explore Orlando’s attractions. Image Credit: Hilton

If you’d prefer to stay closer to home, the DoubleTree SeaWorld is an affordable resort with which to use your credit. Orlando is known for having a vast range of hotels — from cheap hotels to the Waldorf Astoria Orlando (which, by the way, is also included in Hilton’s resort list). Rather than paying out of pocket for your whole stay, however, you can take advantage of the resort credit to stay 4 nights for just a few dollars.

Image Credit: Hilton

If you’re heading to Universal Orlando or Walt Disney World, you’ll still need to arrange transportation, but you’ll be saving on hotel costs so you can still afford to enter the parks and feed your children.

Bottom Line: For a low-cost theme park trip, consider the DoubleTree SeaWorld, where you can stay 4 nights and pay from just $16 out of pocket. 

4. Hilton Sanqingshan Resort (China)

Check out the otherworldly features at the nearby Sanqinghsan geo-park. Image Credit: Hilton

If you, like us, had never heard of Sanqingshan, you probably had no idea what you’ve been missing out on. A UNESCO world heritage site and sacred Taoist mountain, the whole park looks like a fantastical otherworld. Fortunately for Hilton Aspire cardholders, Hilton has a resort located just outside the park — the Hilton Sanqingshan Resort is a 5-star hotel located just feet from the mountain’s cable car.

A 4-night stay here will run you ¥1,856, which comes out to $286.

Image Credit: Hilton

That may be pushing it a little, since you’ll be nearly $36 dollars out of pocket, but there is 1 really excellent thing about this resort: unlike the other properties we’ve mentioned, it has an executive lounge.

For the uninitiated, an executive lounge, also known as a club lounge, is a separate area dedicated to top-tier elites and those who pay more for club-access rooms. As a Hilton Aspire cardholder, you’re granted automatic Diamond status, which means you’re entitled to lounge access.

These lounges provide savvy hotel guests tons of value because they’re stocked with both food and drinks most, if not all, of the day. Generally speaking, hot food is set out in the morning and evening, and snacks are available throughout the day.

Even better, executive lounges provide both alcoholic and non-alcoholic drinks to guests. If you’ve ever thrown 1 back at a hotel bar, you know how quickly those tabs will rack up. For a party of 2 staying several nights, access to free food and drinks can end up saving you hundreds of dollars.

Bottom Line: Explore a UNESCO World Heritage site and enjoy the executive lounge at this resort, where 4 nights will run you from $36 out of pocket.

5. Tropicana Las Vegas – a DoubleTree by Hilton Hotel (Nevada, U.S.)

Stay on the Strip at the Tropicana Las Vegas. Image Credit: Hilton

If you’ve taken advantage of status matching to gain elite status at Caesars, you’ll probably want to venture over to Las Vegas at least once a year to enjoy your free celebration dinner and show tickets. And although Caesars Diamond status will eliminate parking and resort fees, you’d still be out of pocket for room rates.

If you want to go for a truly free experience in Vegas, consider staying instead at the Tropicana. Located directly on the strip, the hotel features free parking and a horrific $37 per night resort fee that will be reimbursed as part of your statement credit.

You can swing up to 3 nights here from under $250:

Image Credit: Hilton

At least you’ll get 2 for 1 drinks at the pool, right?

Image Credit: Hilton

This hotel becomes a much better proposition without elite status at Caesars and MGM, as properties at both these chains will charge upwards of $65+ per day between parking and resort fees, in addition to your room rate.

Either way, you can opt to spend 3 nights in Las Vegas directly on the Strip without paying a penny out of pocket. That’s pretty good, even if you don’t take advantage of those discounted pool drinks.

Bottom Line: Although you can only stay for 3 nights without incurring a cost, the Tropicana hotel is phenomenally-located and your credit will even cover resort fees. 

Final Thoughts

Plenty of people don’t put enough stock into the Hilton Aspire card resort credit. While it isn’t as broad as, say, the Marriott Bonvoy Brilliant card‘s free night certificate, you can still get plenty of use out of your annual $250. It’s valid for tons of really cool activities, like dinners at Michelin-starred restaurants, but perhaps its most valuable feature is the ability to use it for hotel room rates.

Take advantage of exotic locales and spend up to a week away without shelling out any cash. Or, if you’re wanting to travel domestically, enjoy a long weekend at some choice resorts and save yourself the airfare.

No matter how you spend it, the Hilton Aspire card resort credit is an excellent benefit that adds significant value to an already incredible card.

The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of the Marriott Bonvoy Brilliant® American Express® card, click here.

Frequently Asked Questions

The Hilton Aspire card resort credit is easy to use. Simply charge any incidentals to your eligible room and pay with your Hilton Aspire card. You’ll be reimbursed automatically.

Hilton doesn’t have an established award chart, but free nights at its hotels start at just 5,000 points. You can easily earn that amount with just a 1-night stay and the Hilton Aspire card!

With a bevy of benefits, the Hilton Aspire card is one of the absolute best travel cards, hands-down. It more than pays for its annual fees with resort credits, statement credits, elite status, and more.

There are a variety of ways you can get a free night at Hilton. If you have points, redeeming just 5,000 points can score you a free night. As a Hilton Aspire cardholder, you can also opt to use your annual $250 resort credit on room rates to get a free night. Cardholders also receive 1 Free Night Award each year.

The Hilton Resort credit is an annual $250 credit given to Hilton Aspire cardholders. It’s awarded based on cardmember anniversary, which is different than calendar year anniversaries.

About Carissa Rawson

Carissa served in the U.S. Air Force where she developed her love for travel and new cultures. She started her own blog and eventually joined The Points Guy. Since then, she’s contributed to Business Insider, Forbes, and more.


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Cody Poorter

June 28, 2021

I can’t figure out how your room rate for the 3rd option which was Orlando Seaworld was only $59.20 a night. I’m looking right now and the rates are about $120. How do I find those low rates?

Jarrod West

June 28, 2021

Hi Cody,

Hotel rates can change frequently based on the demand for rooms. So try and be as flexible as with your dates to find the best prices!


December 30, 2021

If I use Night certificates to book my room at for example, Waldorf in Los Cabos, can I use the $250 resort credit and $100 credit at Waldorf property on room charges such as food at restaurants, room service Spa charges? Thank you in advance

Jarrod West

December 30, 2021

Hi Jen,

Yes, you should be able to!


August 10, 2022

Unfortunately, I wasn’t aware previously that prepaid/advanced room rates weren’t eligible for the credit when I booked our stay at the Waldorf Astoria in Rome (July 2022). When I called Amex, they said that NO room rates are eligible and only incidental charges are eligible. The terms and conditions state “Advance Purchase Rates/Non-Refundable Rates are not eligible for the resort credit” and as you state above, other rates should apply. Can you confirm you’ve been able to receive credit for any of the 5 examples above for the actual room rate as the Amex person repeated to me twice it’s only eligible for incidentals (restaurant, parking, spa, etc)?

Jarrod West

August 15, 2022

Hi Andrew,

Yes, we can confirm that these have worked for us in the past but YMMV. Oftentimes certain room rates will credit automatically, even though they technically aren’t supposed to per the Amex terms.


August 15, 2022

How do I go about booking to not get charged when I book the room, so that I can use the resort credit to cover the cost of the room? Also, can the resort credit and free night certificate be used in the same booking and how would one go about doing that? Thanks

Jarrod West

August 15, 2022

Hi Manny,

As long as you book a rate that is not a fully pre-paid rate, which should be stated during booking, then you should receive the statement credit. You can also use your resort credit towards incidental purchases during a night that you’ve used a free night certificate on items like food and spa services – simply bill them to your room and pay with your card.


July 01, 2023

Could you please specify “not a fully pre-paid rate”? I am looking at Waldorf Astoria Versailles – Trianon Palace in paris. Could I use the $250 resort credit to book the room? Thinking to use the FNC for one night and the $250 resort credits for the 2nd night. Do I have to wait until I check in to book the 2nd night with my amex aspire to get the credits apply to the room charge?

Jarrod West

July 02, 2023

Hi Jenny,

The resort credit can not be applied to the room rate, only on purchases for services the property offers like at the spa.


September 15, 2022

The link to the list of resort that offer the credit is NOT accurate. When you search for a city it will show you a list of ALL Hiltons! Not just the resort. I was screwed out of a resort credit in PR because of this. I have not been able to find a definitive list of the hotels that ARE credit eligible. I wonder if this is deliberate on Hilton’s part?

So proceed with caution. Finding a resort credit eligible hotel will take some searching.

Christine Krzyszton

September 15, 2022

Hi Wolfie52. I found that logging in to your Hilton Aspire online account, clicking on the Benefits tab, then on the link in the $250 resort credit benefit description, takes you to the booking page. Scroll down to “Explore more resorts” and only qualifying properties will be listed.


November 27, 2022

Can you call customer service and find out? Also, I believe there is an airline incidental fee offered, but I think it has to be participating airline incidentals or it won’t kick in.


March 01, 2023

If you use Hilton’s Built in filters you can see which Hotels count as resorts DO NOT assume that the name resort in the name means it is, in many cases it is not. On the plus side some regular looking hotels are classified as resorts

Adnan Arif

October 05, 2022

Does the $250 resort credit renew on January 1st or does it renew on the date of your card renewal? Also, if you are not staying at the resort, can you just go to the restaurant and charge the card directly for the bill and get the credit? Thanks!

Jarrod West

October 06, 2022

Hi Adnan,

The $250 credit renews each January 1st. It is unlikely that you would receive the credit if you aren’t staying at the hotel as the charge needs to be applied to your room.


December 04, 2022

It says “A $250 Hilton Resort statement credit each cardmember anniversary”


December 14, 2022

So if you book an AARP rate and they take a deposit for the first night stay immediately – that amount should be credited using the $250 – correct? or do you have to check-in the hotel and the credit will happen at the time of the stay.

Trying to figure out how to use credit for April las vegas stay (but cardmember year ends in February)

Chris Hassan

December 19, 2022

Hi TJ,

There is a very good chance that the deposit will trigger the $250 credit, but it will depend on how the hotel codes the deposit. If the reservation is refundable, you could book it and you will see the credit (or not) shortly after.

Ed liu

February 10, 2023

Do you get this credit as soon as you apply? For example if you apply in April this year, do you get it then? Is this credit and the annual airline fee credit tied to your account on the start day?

Jarrod West

February 10, 2023

Hi Ed,

Yes, you will receive the credit from the day you receive the card.


June 07, 2023

I am a Genting Rewards member. They just offered me two complimentary nights at Hilton at Resorts World Las Vegas. I still have to pay the “resort fee” for each night. Since I will have a folio charging me the fees, plus anything else I put on my room, will the $250 credit be applied to my folio?

Chris Hassan

June 07, 2023

No. You will need to pay with your Aspire card and any resort charges up to $250 will be reibursed as a statement credit. The hotel will have nothing to do with the credit.


August 03, 2023

I have multiple Aspire cards and I am using points and free night certificates how do i go about getting the $100 and $250 credits when I stay at a Waldorf? Do i make sure when booking my rooms to use a different Aspire for each night when booking?

Jarrod West

August 04, 2023

Hi O,

Yes, you would want to use a different card for each night.

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