Home › Credit cards › Compare › Bilt Blue Card vs Hilton Honors Amex

Bilt Blue Card vs Hilton Honors Amex

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: Hilton Honors Amex leads by 13.1 pts. Scores: Bilt Blue Card 55.9%, Hilton Honors Amex 69.0%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Bilt Blue Card nets $230/yr, Hilton Honors Amex nets $460/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

Annual feeCard: 10.0 · Amex: 10.0
Rewards rateCard: 5.5 · Amex: 10
Sign-up bonusCard: 1.3 · Amex: n/a
Intro 0% APRCard: n/a · Amex: 0.0
Regular APRCard: 2.3 · Amex: 7.0
Foreign transaction feeCard: 10.0 · Amex: 10.0
Regulatory record (CFPB)Card: 10.0 · Amex: 10.0

Bilt Blue Card

IssuerBilt (Cardless)
Typeno annual fee
Annual fee$0 bilt.com, 2026-10-11
Regular purchase APR26.74%–34.74% variable bilt.com, 2026-10-11
RewardsUp to 4x Bilt dining; up to 3x Bilt Travel hotels & flights; 3x Lyft; 1x other; up to 1.25x on rent/mortgage with no transaction fee bilt.com, 2026-10-11
Sign-up bonus (≈$)$100 $100 of Bilt Cash bilt.com, 2026-10-11
Intro APRnot found
Foreign transaction feenone bilt.com, 2026-10-11
Penalty APRnot found consumerfinance.gov, 2026-10-12
Late feenot found files.consumerfinance.gov, 2025-12-31
Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
Cash advance feenot found files.consumerfinance.gov, 2025-12-31
Credit needednot found
Grace periodnot found
Cash advance APRnot found

Hilton Honors Amex

IssuerAmerican Express
Typeno annual fee
Annual fee$0 americanexpress.com, 2026-10-12
Regular purchase APR19.74%–28.74% variable americanexpress.com, 2026-10-12
Rewards3% base; 5% dining; 5% gas; 5% groceries americanexpress.com, 2026-10-12
Sign-up bonus (≈$)not found americanexpress.com, 2026-10-12
Intro APRnone No intro APR shown americanexpress.com, 2026-10-12
Foreign transaction feenone files.consumerfinance.gov, 2025-12-31
Penalty APRPrime + 26.74% Variable: Prime Rate + 26.74% per Amex agreement rate table consumerfinance.gov, 2026-06-30
Late feeup to $40 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31
Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit needed720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period25 days files.consumerfinance.gov, 2025-12-31
Cash advance APR29.49% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)19.49%–29.24% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Downsides

Bilt Blue Card55.9%
Bilt (Cardless) · no annual fee
Annual fee $0APR 26.74%–34.74% variableRewards Up to 4x Bilt dining; up to 3x Bilt Travel hotels & flights; 3x Lyft; 1x other; up to 1.25x on rent/mortgage with no transaction feeCredit not found
⚠ APR up to 34.74% if you carry a balance · Rent earns 'up to 1.25x' with no fee; Bilt dining/travel network bonuses not modeled.
Hilton Honors Amex69.0%
American Express · no annual fee
Annual fee $0APR 19.74%–28.74% variableRewards 3% base; 5% dining; 5% gas; 5% groceriesCredit 720+ (CFPB TCCP targeted tiers)
⚠ APR up to 28.74% if you carry a balance · Penalty APR Prime + 26.74% (variable) · Late fee up to $40

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, Bilt Blue Card or Hilton Honors Amex?

On VaultRubric's rubric: Hilton Honors Amex scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.