Editorial take: Chase Sapphire Reserve
Recently revamped with over $3,000 in annual credits and perks. If you travel three or more times a year and live near an airport with a Sapphire lounge, this card is a smart choice.
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Side-by-side
Chase Sapphire Reserve vs Hilton Honors American Express Aspire
Both are well-respected travel cards. The Chase Sapphire Reserve comes from Chase at $795/yr; the Hilton Honors American Express Aspire from American Express at $550/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Chase Sapphire Reserve is the stronger pick today — the sign-up bonus is meaningfully larger ($1,750 more in estimated value) than the Hilton Honors American Express Aspire's. Get the Chase Sapphire Reserve first; revisit the Hilton Honors American Express Aspire after you've earned that bonus.
| Feature | Chase Sapphire Reserve | Hilton Honors American Express Aspire |
|---|---|---|
| Annual fee | $795 | $550 |
| Sign-up bonus | 125,000 points | 150,000 points |
| Bonus value (est.) | $2,500 | $750 |
| Min spend to unlock bonus | $6,000 in 3 mo | $6,000 in 6 mo |
| Issuer | Chase | American Express |
| Card category | travel | hotel |
| Best earning category (Flights) | 10x | 7x |
| Transfer partners | chase-ur | None |
| Headline benefits |
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Read the full review
Chase Sapphire Reserve
$795/yr · 125,000 points
Read the full review
Hilton Honors American Express Aspire
$550/yr · 150,000 points
Editorial take: Hilton Honors American Express Aspire
Pretty much a no-brainer if you stay at Hilton hotels. The $550 annual fee pays for itself with just the free night reward alone, which can be used at any standard room property — even $1,000+ per night hotels.
Common questions
- Which card has the bigger sign-up bonus, Chase Sapphire Reserve or Hilton Honors American Express Aspire?
- The Chase Sapphire Reserve has the bigger bonus — 125,000 points, worth roughly $2,500, versus 150,000 points (~$750) on the Hilton Honors American Express Aspire.
- Is the Chase Sapphire Reserve's $795 annual fee worth it compared to the Hilton Honors American Express Aspire?
- Premium cards like the Chase Sapphire Reserve ($795/yr) earn their fee through credits — travel, dining, lounge access, statement reimbursements. If you'd actively use $795+ of those credits, the math works. The Hilton Honors American Express Aspire at $550/yr trades some perks for a lower commitment.
- Can I have both the Chase Sapphire Reserve and Hilton Honors American Express Aspire?
- Yes, since they're from different issuers (Chase and American Express) the application rules don't conflict. Many points enthusiasts hold both — they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Chase Sapphire Reserve or the Hilton Honors American Express Aspire first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Sapphire Reserve: $6,000 spend in 3 months. Hilton Honors American Express Aspire: $6,000 in 6 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time — confirm the current offer on the issuer's page before applying.