Hilton Honors American Express Aspire Card vs Upgrade Life Rewards Visa®: fees, rewards and APR compared - DebitCue Skip to content
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Hilton Honors American Express Aspire Card vs Upgrade Life Rewards Visa®

Compare Hilton Honors American Express Aspire Card and Upgrade Life Rewards Visa® side by side: fees, rewards, APR, and perks.

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Compared side by side

Cells with a check mark are the stronger value in that row. Ties stay unmarked.

Hilton Honors American Express Aspire Card versus Upgrade Life Rewards Visa® compared by attribute
Feature Hilton Honors American Express Aspire Card Upgrade Life Rewards Visa®
Card fee $550 USD/yr No fee
Purchase APR (from) 19.49% 14.99%
Interest-free period - -
Foreign transaction fee 0% 3%
Rewards 14x Hilton points on Hilton purchases; 7x on flights, car rentals, and U.S. restaurants; 3x on all other purchases 3% cash back on Gas, Groceries, Streaming, and Utilities (excluding Target and Walmart); 1% cash back on all other purchases. Both tiers have no cap.
Installments - Each purchase converts to a closed-end installment loan at a fixed rate and term.
No card fee -
No foreign transaction fee -
Welcome bonus
Airport lounge access - -
Travel insurance -
Apple Pay / Google Pay

Which is right for you

Pick by how you spend

  • Choose the Hilton Honors American Express Aspire Card if its checked rows above line up with how you spend most.
  • Choose the Upgrade Life Rewards Visa® if it wins on the features that matter most to you.
  • Still unsure? Read each full review below, then apply on the issuer's secure site.

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