Choosing between the Bilt Card (Blue) (no annual fee) and the Hilton Honors American Express Card (no annual fee) comes down to where you spend most. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.
1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee).
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in travel at 7.0%. 7x at Hilton hotels, 5x at U.S. restaurants, supermarkets, and gas stations. Earns a solid 3.0% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Bilt Card (Blue) | Hilton Honors American Express Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | 70,000 points after $2,000 spend in 6 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.0% | 3.0% |
| Travel Rewards | 1% | 7.0% |
| Dining Rewards | 1% | 5% |
| Groceries Rewards | 1% | 5% |
| Gas Rewards | 1% | 5% |
| Key Benefits | 1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee). | 7x at Hilton hotels, 5x at U.S. restaurants, supermarkets, and gas stations. |
Hilton Honors American Express Card wins on travel, dining, groceries, gas.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.