Bilt vs Hilton Honors
Bilt
$0/yr
7.5/10
VS
Hilton Honors
$0/yr
7.5/10
Quick Answer
Bilt charges no annual fee with 1X base rewards. Hilton Honors charges no annual fee with 1X base rewards. Bilt offers a slight edge depending on your spending when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Bilt
Lower annual fee ($0 vs $0)
Rewards Earning
Hilton Honors
5 earning categories
Benefits & Protection
Bilt
4 benefits vs 0
Flexibility
Tie
Both cards have similar redemption flexibility
PREMIUM PICK
Hilton Honors is a strong alternative
Competitive features make it worth considering.
Apply for Hilton HonorsRewards Earning: Detailed Comparison
Bilt
| Dining on Rent Day | 3.0X |
| Travel | 2.0X |
| Rent payments | 1.0X |
| Everything else | 1.0X |
Hilton Honors
| Hilton hotels | 7.0X |
| US restaurants | 5.0X |
| US supermarkets | 5.0X |
| US gas stations | 5.0X |
| Everything else | 3.0X |
Card Benefits: Detailed Comparison
Bilt (4 benefits)
- Trip Cancellation and Interruption Insurance (up to $5,000)
- Purchase Assurance (up to $10,000)
- Extended Warranty
- Cell Phone Protection (up to $800)
Hilton Honors (0 benefits)
See full review for benefits details.