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Hilton Honors American Express Business Card vs Bilt Mastercard

Both are well-respected travel cards. The Hilton Honors American Express Business Card comes from American Express at $195/yr; the Bilt Mastercard from Bilt / Wells Fargo 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 ($875 more in estimated value) than the Bilt Mastercard's. Get the Hilton Honors American Express Business Card first; revisit the Bilt Mastercard after you've earned that bonus.

FeatureHilton Honors American Express Business CardBilt Mastercard
Annual fee$195$0
Sign-up bonus175,000 pointsNo public offer
Bonus value (est.)$875$0
Min spend to unlock bonus$8,000 in 6 mo$0 in 0 mo
IssuerAmerican ExpressBilt / Wells Fargo
Card categoryhoteltravel
Best earning category (Hilton)12x1x
Transfer partnershilton-honorsbilt
Headline benefits
  • 12x at Hilton
  • Free night cert after $15k spend
  • Second free night after $60k
  • Hilton Gold status
  • Earn points on rent — no fees
  • 1:1 transfers to Hyatt, AA, United
  • Rent Day bonus each month
  • $0 annual fee
Read the full review
Hilton Honors American Express Business Card
$195/yr · 175,000 points
Read the full review
Bilt Mastercard
$0/yr · No public offer

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 Mastercard

The only card that earns points on rent with no fees. Pair it with Rent Day on the 1st of each month for bonus earning, then transfer to top partners like Hyatt at 1:1. A must-have for renters.

Common questions

Which card has the bigger sign-up bonus, Hilton Honors American Express Business Card or Bilt Mastercard?
The Hilton Honors American Express Business Card has the bigger bonus — 175,000 points, worth roughly $875, versus No public offer (~$0) on the Bilt Mastercard.
Is the Hilton Honors American Express Business Card's $195 annual fee worth it compared to the Bilt Mastercard?
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 Mastercard's — pick the one whose perks you'll actually use.
Can I have both the Hilton Honors American Express Business Card and Bilt Mastercard?
Yes, since they're from different issuers (American Express and Bilt / Wells Fargo) 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 Mastercard first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Hilton Honors American Express Business Card: $8,000 spend in 6 months. Bilt Mastercard: $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.