Which card earns more rewards, the Bilt Blue Card or Hilton Honors American Express Card?

The Hilton Honors American Express Card has a higher base earn rate (3X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Bilt Blue Card or the Hilton Honors American Express Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Bilt Blue Card or Hilton Honors American Express Card?

The Hilton Honors American Express Card has a higher base earn rate (3X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Bilt Blue Card or the Hilton Honors American Express Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Bilt Blue Card or Hilton Honors American Express Card?

The Hilton Honors American Express Card has a higher base earn rate (3X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Bilt Blue Card or the Hilton Honors American Express Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Bilt Blue Card vs Hilton Honors American Express Card

Both cards cost $0/yr. The Bilt Blue Card is better for rent and dining, while the Hilton Honors American Express Card wins on hilton properties. Here's how they compare.

Bilt Blue Card

Cardless

Hilton Honors American Express Card

American Express

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

80,000 Hotel

Earn Rates

Category	Bilt Blue Card	Hilton Honors American Express Card
Hilton Properties	1X	7X
Hilton Hotels Resorts	1X	7X
Dining	3X	5X
Grocery Stores	1X	5X
U.S. Gas Stations	1X	5X
Lyft	3X

Benefits & Features

Network

MASTERCARD

AMEX

Key Benefits

None

Pros & Cons

Pros

+No annual fee
+Earn up to 1.25X points on rent and mortgage with no transaction fees
+4% Bilt Cash on all non-housing spend (stackable with 1X points)
+$100 Bilt Cash welcome bonus with no spending requirement
+Transferable points to 23 airline and hotel partners (valued at 2.2 cents each by TPG)

+No annual fee ever
+Automatic Hilton Silver status with 20% bonus points and late checkout
+Path to Gold status after $20,000 annual spend
+Solid 7X earning at Hilton properties, 5X at restaurants/supermarkets/gas
+No foreign transaction fees

Cons

−Only 1X points on non-housing purchases (below average for flat-rate cards)
Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions

Category-by-Category Winner

The Hilton Honors American Express Card wins in 8 of 8 categories. The Bilt Blue Card leads in 0.

Dining

Hilton Honors American Express Card earns 5X vs 3X

Rent

Hilton Honors American Express Card earns 3X vs 1.25X

Mortgage

Hilton Honors American Express Card earns 3X vs 1.25X

Hilton Properties

Hilton Honors American Express Card earns 7X vs 1X

Hilton Hotels Resorts

Hilton Honors American Express Card earns 7X vs 1X

Grocery Stores

Hilton Honors American Express Card earns 5X vs 1X

U.S. Gas Stations

Hilton Honors American Express Card earns 5X vs 1X

Everyday purchases

Hilton Honors American Express Card earns 3X on all other spending vs 1X

Which Card Is Right for You?

The Bottom Line

For everyday spending, the Hilton Honors American Express Card earns more with its 3X base rate.

Frequently Asked Questions

Which card earns more rewards, the Bilt Blue Card or Hilton Honors American Express Card?: The Hilton Honors American Express Card has a higher base earn rate (3X vs 1X), but both cards have different bonus categories where they excel.
Should I get the Bilt Blue Card or the Hilton Honors American Express Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Bilt Blue Amex Blue Cash Preferred vs Hilton Honors Amex Amex Gold vs Hilton Honors Amex Amex Green vs Hilton Honors Amex

Explore More

Bilt Blue Card — Full Review All Cardless Cards

Hilton Honors American Express Card — Full Review All American Express Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Cardless cards · American Express cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

Bilt Blue Card vs Hilton Honors American Express Card

Both cards cost $0/yr. The Bilt Blue Card is better for rent and dining, while the Hilton Honors American Express Card wins on hilton properties. Here's how they compare.

Bilt Blue Card

Cardless

Hilton Honors American Express Card

American Express

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

80,000 Hotel

Earn Rates

Category	Bilt Blue Card	Hilton Honors American Express Card
Hilton Properties	1X	7X
Hilton Hotels Resorts	1X	7X
Dining	3X	5X
Grocery Stores	1X	5X
U.S. Gas Stations	1X	5X
Lyft	3X

Benefits & Features

Network

MASTERCARD

AMEX

Key Benefits

None

Pros & Cons

Pros

+No annual fee
+Earn up to 1.25X points on rent and mortgage with no transaction fees
+4% Bilt Cash on all non-housing spend (stackable with 1X points)
+$100 Bilt Cash welcome bonus with no spending requirement
+Transferable points to 23 airline and hotel partners (valued at 2.2 cents each by TPG)

+No annual fee ever
+Automatic Hilton Silver status with 20% bonus points and late checkout
+Path to Gold status after $20,000 annual spend
+Solid 7X earning at Hilton properties, 5X at restaurants/supermarkets/gas
+No foreign transaction fees

Cons

−Only 1X points on non-housing purchases (below average for flat-rate cards)
Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions

Category-by-Category Winner

The Hilton Honors American Express Card wins in 8 of 8 categories. The Bilt Blue Card leads in 0.

Dining

Hilton Honors American Express Card earns 5X vs 3X

Rent

Hilton Honors American Express Card earns 3X vs 1.25X

Mortgage

Hilton Honors American Express Card earns 3X vs 1.25X

Hilton Properties

Hilton Honors American Express Card earns 7X vs 1X

Hilton Hotels Resorts

Hilton Honors American Express Card earns 7X vs 1X

Grocery Stores

Hilton Honors American Express Card earns 5X vs 1X

U.S. Gas Stations

Hilton Honors American Express Card earns 5X vs 1X

Everyday purchases

Hilton Honors American Express Card earns 3X on all other spending vs 1X

Which Card Is Right for You?

The Bottom Line

For everyday spending, the Hilton Honors American Express Card earns more with its 3X base rate.

Frequently Asked Questions

Which card earns more rewards, the Bilt Blue Card or Hilton Honors American Express Card?: The Hilton Honors American Express Card has a higher base earn rate (3X vs 1X), but both cards have different bonus categories where they excel.
Should I get the Bilt Blue Card or the Hilton Honors American Express Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Bilt Blue Amex Blue Cash Preferred vs Hilton Honors Amex Amex Gold vs Hilton Honors Amex Amex Green vs Hilton Honors Amex

Explore More

Bilt Blue Card — Full Review All Cardless Cards

Hilton Honors American Express Card — Full Review All American Express Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Cardless cards · American Express cards

Bilt Blue Card vs Hilton Honors American Express Card

Both cards cost $0/yr. The Bilt Blue Card is better for rent and dining, while the Hilton Honors American Express Card wins on hilton properties. Here's how they compare.

Bilt Blue Card

Cardless

Hilton Honors American Express Card

American Express

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

80,000 Hotel

Earn Rates

Category	Bilt Blue Card	Hilton Honors American Express Card
Hilton Properties	1X	7X
Hilton Hotels Resorts	1X	7X
Dining	3X	5X
Grocery Stores	1X	5X
U.S. Gas Stations	1X	5X
Lyft	3X

Benefits & Features

Network

MASTERCARD

AMEX

Key Benefits

None

Pros & Cons

Pros

+No annual fee
+Earn up to 1.25X points on rent and mortgage with no transaction fees
+4% Bilt Cash on all non-housing spend (stackable with 1X points)
+$100 Bilt Cash welcome bonus with no spending requirement
+Transferable points to 23 airline and hotel partners (valued at 2.2 cents each by TPG)

+No annual fee ever
+Automatic Hilton Silver status with 20% bonus points and late checkout
+Path to Gold status after $20,000 annual spend
+Solid 7X earning at Hilton properties, 5X at restaurants/supermarkets/gas
+No foreign transaction fees

Cons

−Only 1X points on non-housing purchases (below average for flat-rate cards)
Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions

Category-by-Category Winner

The Hilton Honors American Express Card wins in 8 of 8 categories. The Bilt Blue Card leads in 0.

Dining

Hilton Honors American Express Card earns 5X vs 3X

Rent

Hilton Honors American Express Card earns 3X vs 1.25X

Mortgage

Hilton Honors American Express Card earns 3X vs 1.25X

Hilton Properties

Hilton Honors American Express Card earns 7X vs 1X

Hilton Hotels Resorts

Hilton Honors American Express Card earns 7X vs 1X

Grocery Stores

Hilton Honors American Express Card earns 5X vs 1X

U.S. Gas Stations

Hilton Honors American Express Card earns 5X vs 1X

Everyday purchases

Hilton Honors American Express Card earns 3X on all other spending vs 1X

Which Card Is Right for You?

The Bottom Line

For everyday spending, the Hilton Honors American Express Card earns more with its 3X base rate.

Frequently Asked Questions

Which card earns more rewards, the Bilt Blue Card or Hilton Honors American Express Card?: The Hilton Honors American Express Card has a higher base earn rate (3X vs 1X), but both cards have different bonus categories where they excel.
Should I get the Bilt Blue Card or the Hilton Honors American Express Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Bilt Blue Amex Blue Cash Preferred vs Hilton Honors Amex Amex Gold vs Hilton Honors Amex Amex Green vs Hilton Honors Amex

Explore More

Bilt Blue Card — Full Review All Cardless Cards

Hilton Honors American Express Card — Full Review All American Express Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Cardless cards · American Express cards