Hilton Honors American Express Aspire Card

7x "travel" applies only to flights booked directly with airlines or AmexTravel.com / Amex Travel App AND car rentals booked directly with select car rental companies; OTA / portal car-rental and other travel earns 3x.

Special access to exclusive reservations and dining experiences when the card is added to a Resy profile.

Reimburses repair or replacement of a damaged or stolen cell phone, up to $800 per claim, max 2 approved claims per 12-month period; $50 deductible per claim. Cell line must be on a wireless bill paid with the card.

24/7 medical, legal, financial, and emergency coordination services 100+ miles from home; emergency medical transportation may be provided at no cost only if approved and coordinated by Premium Global Assist.

Reimburses certain expenses when a covered round-trip is delayed more than 6 hours; up to $500 per trip, maximum 2 claims per Eligible Card per 12 consecutive months.

Up to $10,000 per trip and up to $20,000 per Eligible Card per 12 consecutive months for prepaid, non-refundable expenses when a covered trip is canceled or interrupted.

Coverage for lost, damaged, or stolen baggage when the entire fare is paid with the card; up to $2,000 for checked baggage and up to a combined $3,000 for checked and carry-on baggage in excess of common-carrier coverage; $3,000 aggregate per Covered Trip; New York residents: $2,000 per bag with $10,000 aggregate per Covered Trip.

Decline the rental company's collision damage waiver and pay with the card to be covered for theft or damage to a Rental Vehicle in a Covered Territory; not available in Australia, Italy, or New Zealand.

Up to $10,000 per Covered Purchase for 90 days against theft, accidental damage, or loss; up to $50,000 per Card Member account per calendar year.

Adds up to one extra year to the manufacturer's U.S. warranty on eligible warranties of 5 years or less; up to $10,000 per item and $50,000 per calendar year.

May refund the purchase price (excluding shipping/handling) up to $300 per item, up to $1,000 per calendar year, on eligible purchases the seller won't take back within 90 days.

No American Express foreign transaction fees on purchases processed outside the U.S.

Variable APR 19.49%–28.49% on purchases.