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Now is the best time to apply for the American Express aspire card.

I think hotel credit cards areunderappreciated. Even if you don't spend a lot of money on these cards, they are still worth keeping.

The World of Hyatt Credit Card has a $95 annual fee, but I think the category 1-4 free night certificate offered by the card is more than enough to justify the fee.

There is a hotel credit card that is even more valuable. I have had this card for a few years now and have gotten a lot from it. Even if you have another card in the same portfolio, you could be eligible for the American Express Aspire Card.

The $450 annual fee is high for a hotel credit card, but this is a card that is incredibly rewarding.

After spending $4,000 in the first three months of the card's existence, the card will give you a welcome bonus of 150,000HiltonHonors points. The below five benefits are more important than the annual fee.

Hilton Honors Diamond status

You can receive Diamond status if you have thehilton aspire card. It is valid for as long as you have the card. You get top tier status for having a credit card.

You get bonus points, breakfast or club lounge access, room upgrades, and more, if you sign up for this program.

I don't think the most valuable top tier status is the diamond, but getting it just for having the card is a great deal. I have been impressed by how the company has grown its luxury footprint, with more properties opening around the world.

Receive complimentary breakfast with Hilton Honors Diamond status

Annual free night reward

Every subsequent year, you will receive an annual free night reward when you sign up for thehilton aspire card This can be used for stays at virtually any hotel in the world that has a standard room available.

Cardmembers can get a lot of value out of this, since the hotels retail for up to 150,000 points per night. These free night certificates have been redeemed at two places.

Those are some amazing uses of the certificates, and I can't wait to redeem them.

I’ve used my free night certificate at the Waldorf Astoria Los Cabos

Every cardmember year you receive up to $250 in statement credits for eligible purchases made directly with participating hotels using your hotel card. The link will take you to all the resorts.

You should be able to make money if you spend $250 per year on the card at the resorts.

If you redeem your anniversary free night certificate at a top Conrad or Waldorf Astoria resort, you can use the $250 for anything you want. It can take up to 12 weeks for credits to be posted, but in practice they post much quicker than that.

Use your resort credit toward a dinner at the Waldorf Astoria Maldives

Every year, the hotelier's card gives a $250 credit to the airlines. Eligible fees will be reimbursed if you designate an airline. Technically these post within four weeks of an eligible purchase, but in practice they post much faster than that.

The benefit on The Platinum Card from American Express is similar to this one. Purchases that aren't eligible are stated in the terms.

Airline tickets, upgrades, mileage points purchases, mileage points transfer fees, gift cards, duty free purchases, and award tickets are not deemed to be incidental fees.

Your airline fee credit can save you money with major US airlines

Priority Pass membership

It is one of the best cards for Priority Pass if you are a cardmember. The world's largest network of independent airport lounges, called Priority Pass, gives you access to 1,300 lounges around the world.

It's pretty cool to get this on top of all the other benefits.

Cardmembers can get a Priority Pass membership

I have gotten a lot of value out of the card and it is too good to be true. An annual fee of $450 entitles you to an annual free night reward, a $250 airline fee credit, a $250 Hilton resort credit, and a priority pass membership.

I get more than $450 of value out of the free night certificate, so the rest of the benefits are just the icing on the cake.

All of the benefits of the card, including access to Amex offers, are not included. See this post for more information on how the card works and this post for a detailed review of the card.

I love the hotelier aspire card as much as the next person.

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