Bilt vs Hilton Honors Business
Bilt
$0/yr
7.5/10
VS
Hilton Honors Business
$175/yr
6.5/10
Quick Answer
Bilt charges no annual fee with 1X base rewards. Hilton Honors Business charges $175/yr with 1X base rewards. Bilt offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Bilt
Lower annual fee ($0 vs $175)
Rewards Earning
Hilton Honors Business
7 earning categories
Benefits & Protection
Bilt
4 benefits vs 0
Statement Credits
Hilton Honors Business
$60 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Bilt wins for most people
The $175 fee difference is hard to justify unless you maximize premium benefits.
Apply for BiltPREMIUM PICK
Hilton Honors Business wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Hilton Honors BusinessRewards Earning: Detailed Comparison
Bilt
| Dining on Rent Day | 3.0X |
| Travel | 2.0X |
| Rent payments | 1.0X |
| Everything else | 1.0X |
Hilton Honors Business
| Hilton hotels | 12.0X |
| US gas stations | 5.0X |
| US restaurants | 5.0X |
| Wireless phone services (US) | 5.0X |
| US shipping | 5.0X |
| US airlines (direct) | 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 Business (0 benefits)
See full review for benefits details.