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CardCurator — Rewards Intelligence
Card Comparison

Bilt Palladium Card vs Hilton Honors American Express Card

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Bilt Palladium Card card art
Bilt Rewards
Bilt Palladium Card
Cardless
More Info
Hilton Honors American Express Card card art
Hilton Honors
Hilton Honors American Express Card
American Express
More Info
Annual Fee
$495/yr
No annual fee
Foreign Fees
None
None
Signup Bonus
50,000 points + $300 credit
Spend $4,000 in 3 months
70,000 points
Spend $2,000 in 6 months
Top Earn Rates
  • Dining 6x
  • Travel 3x
  • Rent 2x
  • hotels and resorts in the Hilton portfolio 7x
  • Dining At U.S. restaurants, including takeout and delivery, Groceries At U.S. supermarkets, Gas At U.S. gas stations 5x
  • All Other Purchases 3x
Reward Type
miles
miles
Key Credits
  • Bilt Travel Hotel Credit $200
  • $200 Bilt Cash $200
  • Priority Pass $469
None
Card Perks
  • Priority Pass Select
  • Marriott Bonvoy Gold Elite Status
  • IHG One Rewards Platinum Elite Status
  • +2 more
  • Hilton Honors Silver Status
Transfer Partners
  • Atmos Rewards
  • Avianca LifeMiles
  • United MileagePlus
  • Flying Blue
  • Virgin Atlantic Flying Club
  • +19 more
No transfer partners
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Common Questions: Bilt Palladium Card vs Hilton Honors American Express Card

Is the Bilt Palladium Card or Hilton Honors American Express Card better for dining?

Bilt Palladium Card earns 6x on dining; Hilton Honors American Express Card earns 5x on dining. Bilt Palladium Card wins for dining.

Which has the higher signup bonus in 2026?

Bilt Palladium Card currently offers 50,000 pts signup bonus (spend $4,000 in 3 months). Hilton Honors American Express Card offers 70,000 pts signup bonus (spend $2,000 in 6 months). Bilt Palladium Card has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Bilt Palladium Card and the Hilton Honors American Express Card?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Bilt Palladium Card is from Cardless and Hilton Honors American Express Card is from American Express, so they're governed by separate bank policies.