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Hilton Honors American Express Business Card vs Bilt Blue

Both are well-respected travel cards. The Hilton Honors American Express Business Card comes from American Express at $195/yr; the Bilt Blue from Bilt / Cardless at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Hilton Honors American Express Business Card is the stronger pick today, the sign-up bonus is meaningfully larger ($550 more in estimated value) than the Bilt Blue's. Get the Hilton Honors American Express Business Card first; revisit the Bilt Blue after you've earned that bonus.

FeatureHilton Honors American Express Business CardBilt Blue
Annual fee$195$0
Sign-up bonus130,000 points$100 Bilt Cash
Bonus value (est.)$650$100
Min spend to unlock bonus$6,000 in 6 mo$0 in 0 mo
IssuerAmerican ExpressBilt / Cardless
Card categoryhoteltravel
Best earning category (Hilton)12x1x
Transfer partnersNonebilt
Headline benefits
  • 12x at Hilton
  • Free night cert after $15k spend
  • Second free night after $60k
  • Hilton Gold status
  • $0 annual fee
  • 1x everywhere, no caps
  • Up to 1.25x on rent
  • Rent Day 2x on the 1st
Read the full review
Hilton Honors American Express Business Card
$195/yr · 130,000 points
Read the full review
Bilt Blue
$0/yr · $100 Bilt Cash

Editorial take: Hilton Honors American Express Business Card

If you stay at Hiltons, this is the underrated middle tier, the $60/quarter credit + the $15k-spend Free Night routinely cover the $195 fee, and Gold status is real value at any Hilton property.

Editorial take: Bilt Blue

The no-fee entry tier of Bilt 2.0, launched February 7, 2026 by Cardless. Flat 1x earn (no bonus categories — those live on Obsidian and Palladium). Best for renters who want the no-fee anchor + full transfer partner access without paying $95+. The 5-transactions-per-cycle minimum from legacy Bilt is gone, and Rent Day still doubles everyday earn on the 1st.

Common questions

Which card has the bigger sign-up bonus, Hilton Honors American Express Business Card or Bilt Blue?
The Hilton Honors American Express Business Card has the bigger bonus, 130,000 points, worth roughly $650, versus $100 Bilt Cash (~$100) on the Bilt Blue.
Is the Hilton Honors American Express Business Card's $195 annual fee worth it compared to the Bilt Blue?
At $195/yr, the Hilton Honors American Express Business Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Bilt Blue's, pick the one whose perks you'll actually use.
Can I have both the Hilton Honors American Express Business Card and Bilt Blue?
Yes, since they're from different issuers (American Express and Bilt / Cardless) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Hilton Honors American Express Business Card or the Bilt Blue first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Hilton Honors American Express Business Card: $6,000 spend in 6 months. Bilt Blue: $0 in 0 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.