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Side-by-side

Hilton Honors American Express Aspire vs Navy Federal More Rewards American Express Card

Both are well-respected travel cards. The Hilton Honors American Express Aspire comes from American Express at $550/yr; the Navy Federal More Rewards American Express Card from Navy Federal Credit Union at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Hilton Honors American Express Aspire is the stronger pick today, the sign-up bonus is meaningfully larger ($675 more in estimated value) than the Navy Federal More Rewards American Express Card's. Get the Hilton Honors American Express Aspire first; revisit the Navy Federal More Rewards American Express Card after you've earned that bonus.

FeatureHilton Honors American Express AspireNavy Federal More Rewards American Express Card
Annual fee$550$0
Sign-up bonus175,000 points20,000 points ($200 value)
Bonus value (est.)$875$200
Min spend to unlock bonus$6,000 in 6 mo$2,000 in 3 mo
IssuerAmerican ExpressNavy Federal Credit Union
Card categoryhotelcashback
Best earning category (Hilton)14x1x
Transfer partnersNoneNone
Headline benefits
  • Automatic Diamond status
  • Free weekend night certificate
  • $400 resort credit + $200 flight credit
  • $209 CLEAR + $100 Conrad/Waldorf
    Read the full review
    Hilton Honors American Express Aspire
    $550/yr · 175,000 points
    Read the full review
    Navy Federal More Rewards American Express Card
    $0/yr · 20,000 points ($200 value)

    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.

    Editorial take: Navy Federal More Rewards American Express Card

    Common questions

    Which card has the bigger sign-up bonus, Hilton Honors American Express Aspire or Navy Federal More Rewards American Express Card?
    The Hilton Honors American Express Aspire has the bigger bonus, 175,000 points, worth roughly $875, versus 20,000 points ($200 value) (~$200) on the Navy Federal More Rewards American Express Card.
    Is the Hilton Honors American Express Aspire's $550 annual fee worth it compared to the Navy Federal More Rewards American Express Card?
    Premium cards like the Hilton Honors American Express Aspire ($550/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $550+ of those credits, the math works. The Navy Federal More Rewards American Express Card at $0/yr trades some perks for a lower commitment.
    Can I have both the Hilton Honors American Express Aspire and Navy Federal More Rewards American Express Card?
    Yes, since they're from different issuers (American Express and Navy Federal Credit Union) 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 Hilton Honors American Express Aspire or the Navy Federal More Rewards American Express Card first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Hilton Honors American Express Aspire: $6,000 spend in 6 months. Navy Federal More Rewards American Express Card: $2,000 in 3 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.