Hilton Honors American Express Aspire Card vs TAP Miles&Go American Express®

A detailed side-by-side comparison to help you choose the right card for your spending.

Hilton Honors American Express Aspire Card

American Express

No image

TAP Miles&Go American Express®

Cardless

Annual Fee

$550

$79

Welcome Bonus

150,000 Hotel

40,000 miles

Base Earn Rate

Top Earn Categories

14X Hilton Properties

7X Car Rentals

7X Flights

7X Dining

3X Tap Air Portugal

2X Car Rentals

2X Hotels

2X Ridesharing

Network

AMEX

Key Benefits

✓Global Entry credit

✓Lounge access

✓Free checked bags

Pros

+Automatic Hilton Diamond status - highest published tier with room upgrades and executive lounge access
+$400 Hilton resort credit ($200 semi-annually) covers significant portion of annual fee
+$200 airline fee credit ($50 quarterly) for incidentals
+$209 CLEAR Plus credit for expedited airport security
+Up to 3 free night awards annually (anniversary + $30K and $60K spend milestones)

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Cons

−$550 annual fee is substantial even with credits
−Resort credit only valid at Hilton resort properties, not standard hotels
−Hilton points valued lower than Hyatt at ~0.5 cents per point
−Diamond Reserve tier introduced in 2026 means Diamond is no longer the absolute top
−Welcome bonus of 150K points lower than previous 175K elevated offer

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The Bottom Line

The TAP Miles&Go American Express® has a lower annual fee ($79 vs $550), making it the more accessible option.

For everyday spending, the Hilton Honors American Express Aspire Card earns more with its 3X base rate.

Explore More

Hilton Honors American Express Aspire Card — Full Review All American Express Cards

TAP Miles&Go American Express® — Full Review All Cardless Cards

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Hilton Honors American Express Aspire Card vs TAP Miles&Go American Express®

A detailed side-by-side comparison to help you choose the right card for your spending.