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Bilt Blue Card vs Hilton Honors American Express Surpass Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Bilt Blue CardBilt / Column N.A. | Hilton Honors American Express Surpass CardAmerican Express |
|---|---|---|
| Rating | 4.2/5 | 4.3/5 |
| Annual Fee | $0 | $150 |
| APR | 21.49% - 29.49% | 19.49% - 28.49% |
| Signup Bonus | 20,000 bonus points after spending $1,000 in 3 months | Free Night Reward + 70,000 bonus points (limited-time offer) |
| Rewards Rate | 1X points on all purchases including rent and mortgage, or 4% Bilt Cash on everyday spend | 12X at Hilton, 6X at restaurants, supermarkets, and gas stations, 3X on everything else |
| Credit Score | good | good |
| Pros | Earn points on rent and mortgage payments with no transaction fee $0 annual fee with transfer partners (Hyatt, United, AA, etc.) Choice of 1X points or 4% Bilt Cash on everyday spend | 12X at Hilton and 6X on dining/groceries/gas are massive multipliers Complimentary Hilton Gold status with room upgrades and free breakfast Free night reward after spending $15K in a calendar year |
| Cons | 1X on everything is a low base earn rate Bilt's transfer partner valuations can be complex Must use Bilt app to pay rent/mortgage for rewards | $150 annual fee Hilton points worth ~0.5cpp — need volume to get value American Express not accepted everywhere internationally |
| View Details → | View Details → |
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Verdict
Our Pick: Hilton Honors American Express Surpass Card
With a 4.3/5 rating, the Hilton Honors American Express Surpass Card edges out the Bilt Blue Card (4.2/5). At $150/yr, the value proposition is strong. The Hilton Surpass piles up points fast with 12X at Hilton and 6X on everyday categories. Gold status adds free breakfast and room upgrades at most Hilton brands, making it the best mid-tier hotel card for Hilton loyalists.