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CardCurator — Rewards Intelligence
Quick Answer

The Hilton Honors Business Card edges out the Bilt Palladium Card for most cardholders — it wins on 3 of 4 comparison categories and offers 130,000 pts signup bonus earns more (up to 12x vs 6x). The Bilt Palladium Card is the better choice if you prioritize a different rewards ecosystem.

Card Comparison

Bilt Palladium Card vs Hilton Honors Business 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 Business Card card art
Hilton Honors
Hilton Honors Business Card
American Express
More Info
Annual Fee
$495/yr
$195/yr
Foreign Fees
None
None
Signup Bonus
50,000 points + $300 credit
Spend $4,000 in 3 months
130,000 points
Spend $8,000 in 6 months
was 175k pts
Top Earn Rates
  • Dining 6x
  • Travel 3x
  • Rent 2x
  • hotels and resorts within the Hilton portfolio 12x
  • Eligible Purchases on the first $100K in eligible purchases per calendar year 5x
  • All Other Purchases 3x
Reward Type
miles
miles
Pts Value
~1.50¢/pt points · industry est.
~0.50¢/pt points · industry est.
Key Credits
  • Bilt Travel Hotel Credit $200
  • $200 Bilt Cash $200
  • Priority Pass $469
  • Hilton Credit $60
Card Perks
  • Priority Pass Select
  • Marriott Bonvoy Gold Elite Status
  • IHG One Rewards Platinum Elite Status
  • +2 more
  • Hilton Honors Gold Status
  • National Car Rental® Emerald Club Executive® Status
Spend Milestones
No milestones
  • Hilton Honors Diamond Status
    After $40,000 spend
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 Business Card

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

Bilt Palladium Card earns 6x on dining; Hilton Honors Business Card has no dining bonus.

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 Business Card offers 130,000 pts signup bonus (spend $8,000 in 6 months). Hilton Honors Business 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 Business 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 Business Card is from American Express, so they're governed by separate bank policies.