Hilton Honors Aspire vs Platinum (Schwab)
Hilton Honors Aspire
$550/yr
6.0/10
VS
Platinum (Schwab)
$895/yr
5.5/10
Quick Answer
Hilton Honors Aspire charges $550/yr with 1X base rewards. Platinum (Schwab) charges $895/yr with 1X base rewards. Hilton Honors Aspire offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Hilton Honors Aspire
Lower annual fee ($550 vs $895)
Rewards Earning
Hilton Honors Aspire
5 earning categories
Benefits & Protection
See card details
Visit each card's review for full benefits list
Statement Credits
Platinum (Schwab)
$1439 in annual credits
Flexibility
Hilton Honors Aspire
Transferable points to airline/hotel partners
OUR PICK
Hilton Honors Aspire wins for most people
The $345 fee difference is hard to justify unless you maximize premium benefits.
Apply for Hilton Honors AspirePREMIUM PICK
Platinum (Schwab) wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Platinum (Schwab)Rewards Earning: Detailed Comparison
Hilton Honors Aspire
| Hilton hotels | 14.0X |
| Flights (direct or amextravel.com) | 7.0X |
| Car rentals (direct) | 7.0X |
| US restaurants | 7.0X |
| Everything else | 3.0X |
Platinum (Schwab)
| Flights (Amex Travel) | 5.0X |
| Hotels (Amex Travel) | 5.0X |
| Everything else | 1.0X |