Hilton Honors American Express Aspire Card Agreement

Account & Service Control · Permission or license

American Express sets the Credit Limit and may raise or cut it at any time

American Express assigns a Credit Limit to the Account and may make part of it available for cash advances as a Cash Advance Limit. There may also be a limit on how much you can withdraw from ATMs in a given period. Both limits are shown on page 1 of Part 1 and on each billing statement. American Express may increase or reduce either limit, even if you pay on time and the Account is not in default.

Supporting quotations

We assign a Credit Limit to your Account. We may make part of your Credit Limit available for cash advances (Cash Advance Limit). There may also be a limit on the amount you can withdraw from ATMs in a given period.

The Credit Limit and Cash Advance Limit are shown on page 1 of Part 1 and on each billing statement. We may increase or reduce your Credit Limit and Cash Advance Limit. We may do so even if you pay on time and your Account is not in default.

Qualifications & exceptions

• The right to change limits is stated without a condition: the text says it applies even when you pay on time and are not in default.

Not stated here

• The amount of the ATM withdrawal limit, and the period it covers, is not stated in this passage ("a limit" and "a given period").
• Whether American Express must give notice before changing a limit is not stated in these passages.

Account & Service Control · Restriction or exception

You agree to keep your balance within your limits

You agree to manage the Account so that your Account balance, including fees and interest, is not more than your Credit Limit. You also agree to keep your cash advance balance, including fees and interest, within the Cash Advance Limit. Plan balances count too: you agree that the total of your plan balances, including plan fees, is not more than your Credit Limit.

Supporting quotations

You agree to manage your Account so that:

your Account balance (including fees and interest) is not more than your Credit Limit, and

your cash advance balance (including fees and interest) is not more than your Cash Advance Limit

You agree to manage your Account so that the total of your plan balances (including plan fees) is not more than your Credit Limit.

Qualifications & exceptions

• Fees and interest count toward the balance for these limits.
• American Express may nonetheless approve charges that go over the Credit Limit (see the overlimit card).

Not stated here

• The passage does not say what consequences follow if the balance does exceed a limit, other than the request to pay the excess described in the overlimit card.

Account & Service Control · Company commitment

3 Hilton Honors Bonus Points per dollar of eligible purchases

You receive 3 Hilton Honors Bonus Points for each dollar of eligible purchases on the Hilton Honors American Express Aspire Card. Eligible purchases are purchases for goods and services minus returns and other credits.

Supporting quotations

You receive 3 Hilton Honors Bonus Points (Points) for each dollar of eligible purchases on your Hilton Honors American Express Aspire Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits.

Qualifications & exceptions

• Returns and other credits reduce the eligible amount.
• Exclusions apply (see the excluded purchases card), and Points can be forfeited for a missed Minimum Payment Due (see the forfeiture card in the rewards packet).

Account & Service Control · Restriction or exception

Fees, cash advances, cash equivalents and person-to-person charges earn no Points

Eligible purchases do not include fees or interest charges, cash advances, purchases of traveler's checks, purchases or reloading of prepaid cards, purchases of any cash equivalents including gift cards, or person-to-person transactions. A person-to-person transaction is treated as a purchase elsewhere in the agreement (for interest), but it is expressly excluded from earning Points here.

Supporting quotations

Eligible purchases do NOT include: fees or interest charges, cash advances, purchases of traveler

purchases or reloading of prepaid cards, purchases of any cash equivalents, including gift cards, or person-to-person transactions.

A purchase is a charge for goods, services, or person-to-person transactions.

Qualifications & exceptions

• Gift cards are named as a cash equivalent here.
• The exclusion list carries over to additional Points.

Account & Service Control · Company commitment

11 additional Points per dollar charged directly with a Hilton property

You receive 11 additional Points, for a total of 14, for each dollar of eligible purchases on the Card Account charged directly with a property within the Hilton portfolio.

Supporting quotations

You receive 11 additional Points (a total of 14) for each dollar of eligible purchases on your Card Account charged directly with a property within the Hilton portfolio.

Qualifications & exceptions

• The purchase must be charged directly with a Hilton portfolio property and must be an eligible purchase.

Not stated here

• Which properties are in the "Hilton portfolio" is not listed in this passage.

Account & Service Control · Company commitment

4 additional Points (7 total) at U.S. restaurants, on airfare and at select car rental companies

You receive 4 additional Points, for a total of 7, for each dollar of eligible purchases at restaurants located in the U.S., for airfare on a scheduled flight charged directly with passenger airlines, and for purchases directly from select major car rental companies listed at americanexpress.com/rewards-info. Charter flights and private jet flights are excluded from the airfare category. The Hilton-property tier (14 Points in total) is a separate tier described earlier.

Supporting quotations

You receive 4 additional Points (a total of 7) for each dollar of eligible purchases on your Card Account: at restaurants located in the U.S., for airfare on a scheduled flight charged directly with passenger airlines (charter flights and private jet flights are excluded), and purchases directly from select major car rental companies listed at americanexpress.com/rewards-info.

You receive 11 additional Points (a total of 14) for each dollar of eligible purchases on your Card Account charged directly with a property within the Hilton portfolio.

Qualifications & exceptions

• Airfare counts only when charged directly with passenger airlines and only for scheduled flights.
• Car rental counts only for purchases made directly with the select companies on the linked list.
• The 7-Point and 14-Point totals are stated per category; this passage does not say they add together.

Not stated here

• The list of select major car rental companies is on americanexpress.com/rewards-info and is not supplied in this document.

Account & Service Control · Restriction or exception

Additional Points depend on merchant codes, and some payment routes may not earn them

Merchants are assigned codes based on what they primarily sell, and American Express groups certain codes into categories eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not in a reward category. You may not receive additional Points if American Express receives inaccurate information or cannot identify the purchase as eligible. The examples given are a merchant using a third party to sell its products or services, a merchant using a third party to process or submit the transaction (for example mobile or wireless card readers), or paying with a third-party payment account or a mobile or digital wallet.

Supporting quotations

Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points.

is not included in a reward category.

You may not receive additional Points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category.

a merchant uses a third-party to sell their products or services; or a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or you choose to make a purchase using a third-party payment account or make a purchase using a mobile or digital wallet.

Qualifications & exceptions

• The text says "may not receive", so these examples are possible, not certain, outcomes.
• The examples are introduced with "For example", so the list is not stated to be complete.

Not stated here

• Which merchant codes fall inside each reward category is not listed here.

Account & Service Control · Procedure

Questions about additional Points go to the number on the Card

For questions about additional Points on a purchase, call the number on the back of your Card. The agreement also points to americanexpress.com/rewards-info for more information about rewards.

Supporting quotations

For questions about additional Points on a purchase, call the number on the back of your Card. Please visit americanexpress.com/rewards-info for more information about rewards.

Not stated here

• The content of the linked rewards page is not part of this document.

Account & Service Control · Company practice

Promotional bonus Points may follow different terms

American Express may from time to time make promotional offers of bonus Points. Those offers carry their own terms about how you can earn the bonus Points and when you can use them, and those terms may differ from the terms above for Points on eligible purchases, including about when Points can be used.

Supporting quotations

From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points.

Qualifications & exceptions

• The offer terms may differ from the standard terms; the agreement does not say how.

Not stated here

• The terms of any particular promotional offer are not in this document.

Account & Service Control · User right or choice

View your Points balance in your online account

You can view your Points balance by logging onto your online account at americanexpress.com and viewing the account summary page.

Supporting quotations

You can view your Points balance by logging onto your online account at americanexpress.com and viewing your account summary page.

Account & Service Control · Company practice

Points are sent to your Hilton Honors account after each billing period, up to 12 weeks later

American Express transfers the Points you receive to your Hilton Honors program account after the end of the billing period in which you received them. Points from the Card are posted to the Hilton Honors account up to 12 weeks after the end of your billing cycle. Your Card Account must not be cancelled or delinquent at the time of fulfillment. Hilton Honors Points are subject to the Hilton Honors Terms and Conditions.

Supporting quotations

We transfer the Points you receive to your Hilton Honors program account after the end of the billing period in which you received them.

Hilton Honors Points received from your Card will be posted to your Hilton Honors account up to 12 weeks after the end of your billing cycle. Your account must not be cancelled or delinquent at the time of fulfillment. Your Hilton Honors Points are subject to Hilton Honors Terms and Conditions, see HiltonHonors.com/terms.

Qualifications & exceptions

• The condition that the account is not cancelled or delinquent is tested at fulfillment, not when the Points were earned.
• The Hilton Honors Terms and Conditions at HiltonHonors.com/terms are referenced but are not supplied in this document.

Not stated here

• The content of the Hilton Honors Terms and Conditions is not part of this document.
• "Delinquent" is not defined in these passages.

Account & Service Control · Restriction or exception

Missing the minimum payment forfeits that period's Points; they can be reinstated for $35

If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you forfeit the Points you earned for eligible purchases during that billing period. The agreement's example: with a billing period closing January 15 and the minimum due February 10, missing the February 10 due date means no Points for purchases in that period. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee.

Supporting quotations

If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the Points you earned for eligible purchases during that billing period.

For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn Points for purchases in the billing period ending February 15.

You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee.

Qualifications & exceptions

• Reinstatement has three conditions: within the next 12 billing periods, Card Account not past due, and payment of a $35 fee.

Not stated here

• The example's last sentence refers to purchases in "the billing period ending February 15" while the setup says the period closes January 15; the agreement does not explain the different dates.

Account & Service Control · Restriction or exception

Points are earned only on purchases for personal, family or household use

You receive Points only for eligible purchases intended for personal, family or household use.

Supporting quotations

Other things you should know about this program: You will receive Points only for eligible purchases intended for personal, family or household use.

Qualifications & exceptions

• The test is the intended use of the purchase.

Not stated here

• How American Express decides a purchase's intended use is not described.

Account & Service Control · Restriction or exception

Each Basic Card Member needs a unique, active Hilton Honors account

Each Basic Card Member must have a unique Hilton Honors loyalty account. American Express may cancel your Card Account if you do not maintain an active Hilton Honors loyalty account.

Supporting quotations

Each Basic Card Member must have a unique Hilton Honors loyalty account. American Express may cancel your Card Account if you do not maintain an active Hilton Honors loyalty account.

Qualifications & exceptions

• Cancellation is stated as something American Express "may" do.

Not stated here

• What makes a Hilton Honors account "active" is not defined here and depends on Hilton's own terms, which are not supplied.

Account & Service Control · Permission or license

American Express may change the program, and abuse can forfeit Points

American Express may change the terms of this rewards program at its discretion. If you violate or abuse the program, you may forfeit some or all of your Points.

Supporting quotations

We may change the terms of this program at our discretion. If you violate or abuse this program, you may forfeit some or all of your Points.

Qualifications & exceptions

• The change right is stated as discretionary with no notice period in this passage.

Not stated here

• "Violate or abuse" is not defined in these passages.
• Notice of program changes is not described here.

Account & Service Control · Restriction or exception

Charges are allowed; plans, cash advances and balance transfers are at American Express's discretion

You may use the Card to make charges. At its discretion American Express may permit you to create plans, make cash advances or make balance transfers. You cannot transfer balances from any other account issued by American Express or its affiliates. You agree to use the Card for personal, family or household purposes only.

Supporting quotations

You may use the Card to make charges. At our discretion, we may permit you to create plans, make cash advances or balance transfers. You cannot transfer balances from any other account issued by us or our affiliates. You agree to use the Card for personal, family, or household purposes only.

Qualifications & exceptions

• Plans, cash advances and balance transfers are permitted at American Express's discretion, not as a right.
• The personal, family or household purposes limit is a use restriction that applies to the Card.

Not stated here

• What happens if the Card is used for another purpose is not stated in this passage.

Account & Service Control · Permission or license

American Express may decline a charge even within your limit

American Express may decline to authorize a charge for various reasons, including if it suspects fraud or based on its assessment of your creditworthiness, even if the charge would not take you over the Credit Limit and even if the Account is not in default. It says it is not responsible for losses if it does not authorize a charge or if a merchant refuses the Card.

Supporting quotations

We may decline to authorize a charge for various reasons, including if we suspect fraud or based on our assessment of your creditworthiness, even if the charge would not cause you to go over your Credit Limit and even if your Account is not in default. We are not responsible for any losses you incur if we do not authorize a charge or if any merchant refuses to accept the Card.

Qualifications & exceptions

• The reasons are introduced with "including", so the list is not stated to be complete.

Account & Service Control · Restriction or exception

Whether you can create a plan is up to American Express

Your ability to create plans depends on factors such as your creditworthiness and Credit Limit. You cannot create plans if the Account is cancelled, or if one or more of your American Express accounts is enrolled in a payment program, has a payment returned unpaid, or is past due. American Express tells you how many active plans you may have and may change that number at any time. The plan durations offered, and your ability to put multiple qualifying purchases or a qualifying amount in one plan, are at its discretion based on factors such as creditworthiness, purchase amounts and Account history. You agree that your total plan balances, including plan fees, will not be more than your Credit Limit.

Supporting quotations

We may offer you Plan It, which allows you to create a payment plan for qualifying purchases or a qualifying amount, subject to a plan fee.

Your ability to create plans will be based on a variety of factors such as your creditworthiness and your Credit Limit. You will not be able to create plans if your Account is cancelled. You will also not be able to create plans if one or more of your American Express accounts is enrolled in a payment program, or has a payment that is returned unpaid, or is past due.

We will tell you the number of active plans you may have and we may change this number at any time. The plan durations offered to you, and your ability to include multiple qualifying purchases or a qualifying amount in a single plan, will be at our discretion and will be based on a variety of factors such as your creditworthiness, the purchase amount(s), and your Account history.

You agree to manage your Account so that the total of your plan balances (including plan fees) is not more than your Credit Limit.

Qualifications & exceptions

• The blocking conditions cover any of your American Express accounts, not just this Card.
• The number of active plans can change at any time.

Not stated here

• What the "payment program" is, is not defined here.

Account & Service Control · Restriction or exception

You are responsible for everything done on the Account by Additional Card Members and the people they allow

You are responsible for all use of your Account by Additional Card Members and by anyone they allow to use it, and you must pay for all charges made. You also authorize American Express to give Additional Card Members information about your Account and to discuss it with them. If you want to cancel an Additional Card Member's ability to use the Account, you contact American Express.

Supporting quotations

You are responsible for all use of your Account by Additional Card Members and anyone they allow to use your Account and you must pay for all charges made.

You also authorize us to give Additional Card Members information about your Account and to discuss it with them.

Contact us if you want to cancel an Additional Card Member's ability to use your Account.

Qualifications & exceptions

• Responsibility extends to people an Additional Card Member lets use the Account.

Not stated here

• The passage does not say how quickly a cancellation request takes effect.

Account & Service Control · Permission or license

Benefits, features and services can be added, changed or removed at American Express's discretion

American Express has the right to add, modify or remove any benefit, feature or service included with or related to your Account at its discretion.

Supporting quotations

Changing benefits: We have the right to add, modify or remove any benefit, feature or service included with or related to your Account at our discretion.

Qualifications & exceptions

• No notice period is stated in this passage.

Not stated here

• Whether the right extends to the rewards program terms is covered by the separate rewards program change card.

Account & Service Control · Restriction or exception

Tell American Express right away if your address, email or phone changes

You must notify American Express immediately if you change your mailing address, email address or telephone number. If you have more than one Account, you must notify it separately for each Account. American Express may update your billing address if it receives information that it has changed or is incorrect.

Supporting quotations

Changing your contact information: You must notify us immediately if you change your mailing address, email address, or telephone number. If you have more than one Account, you need to notify us separately for each Account. We may update your billing address if we receive information that it has changed or is incorrect.

Qualifications & exceptions

• Notice is needed separately for each Account.

Not stated here

• What sources of information the company may rely on to update a billing address are not listed.

Account & Service Control · Procedure

Write to the Credit Bureau Unit if you think reported information is wrong

If you believe information American Express has given to a credit reporting agency is incorrect, you can write to it at American Express Credit Bureau Unit, P.O. Box 981537, El Paso, TX 79998-1537, telling it the specific information you believe is incorrect.

Supporting quotations

If you believe information we have given to a credit reporting agency is incorrect, write to us at: American Express Credit Bureau Unit, P.O. Box 981537, El Paso, TX 79998-1537. When you write to us, tell us the specific information you believe is incorrect.

Qualifications & exceptions

• The notice must state the specific information believed to be incorrect.

Not stated here

• The passage does not state how long the company has to respond.

Account & Service Control · Restriction or exception

When American Express may consider the Account in default

American Express may consider your Account to be in default if you violate a provision of the Agreement, give it false information, file for bankruptcy, default under another agreement with it or an affiliate, or if it believes you are unable or unwilling to pay your debts when due.

Supporting quotations

Default: We may consider your Account to be in default if:

you violate a provision of this Agreement,

you give us false information,

you file for bankruptcy,

you default under another agreement you have with us or an affiliate, or

we believe you are unable or unwilling to pay your debts when due.

Qualifications & exceptions

• Default is something it "may consider", not automatic.
• The last trigger rests on American Express's belief.

Not stated here

• Whether there is a cure period or notice before a default is declared is not stated.
• The first trigger refers to the Agreement's provisions generally; the text of any other agreement with American Express or an affiliate that could cause default is not supplied here, so this card cannot say what those other agreements require.

Account & Service Control · Permission or license

After default, incapacity or death American Express may suspend, cancel or demand full payment

If American Express considers the Account in default, or if you become incapacitated or die, it may, to the extent permitted by federal and applicable state law, suspend your ability to make charges, cancel or suspend any feature on the Account, require you to pay more than the Minimum Payment Due immediately, and require you to pay the Account balance immediately.

Supporting quotations

If we consider your Account in default, or if you become incapacitated or die, we may, to the extent permitted by federal and applicable state law:

suspend your ability to make charges,

cancel or suspend any feature on your Account,

require you to pay more than your Minimum Payment Due immediately, and

require you to pay your Account balance immediately.

Qualifications & exceptions

• These powers apply "to the extent permitted by federal and applicable state law".
• They are also triggered if you become incapacitated or die, not only on default.

Account & Service Control · Permission or license

American Express may close or suspend the Account at any time for any reason

American Express may, at any time and for any reason, cancel your Account, suspend your ability to make charges, or cancel or suspend any feature on your Account. You must still pay for all charges under the Agreement. If it later agrees to reinstate the Account, it may reinstate any additional Cards issued on it and charge you any applicable annual fees and a fee to reinstate the Account.

Supporting quotations

Closing or suspending your Account: We may, at any time and for any reason: cancel your Account, suspend your ability to make charges, cancel or suspend any feature on your Account. If we do any of these, you must still pay us for all charges under the terms of this Agreement. If we later agree to reinstate your Account, we may reinstate any additional Cards issued on your Account and charge you any applicable annual fees and a fee to reinstate the Account.

Qualifications & exceptions

• No reason or notice is required by this text.
• You remain liable for all charges after a cancellation or suspension.

Not stated here

• The amount of any fee to reinstate is not stated in this passage; the fee table and the re-opening fee elsewhere give $25 for re-opening a cancelled Account.