American Express Hilton Honors Aspire Bilt Bilt Palladium Card
American Express Hilton Honors Aspire
$550/yr
Bilt Palladium Card
$495/yr
Every $1 · two cards
American Express Hilton Honors Aspire earns more in 0 of 9 categories · Bilt Palladium Card in 9
- Dining7×2.8¢ per $12×4.4¢ per $1
- Groceries3×1.2¢ per $12×4.4¢ per $1
- Gas3×1.2¢ per $12×4.4¢ per $1
- Flights7×2.8¢ per $13×6.6¢ per $1
via Bilt Travel
- Hotels3×1.2¢ per $14×8.8¢ per $1
via Bilt Travel
- Everything else3×1.2¢ per $12×4.4¢ per $1
Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.
Fees, welcome offers & benefits
American Express
Hilton Honors Aspire
- Annual fee
- $550
- Network
- amex
- Welcome value
- ~$800
- Min spend
- $6,000 / 6mo
Top earning rates
- 14×Hotels and resorts within the Hilton Portfolio · Hilton Honors
- 7×Flights booked directly with airlines or flights booked through American Express Travel · Hilton Honors
- 7×Car rentals purchased directly from select car rental companies · Hilton Honors
- 7×U.S. restaurants, including takeout and delivery · Hilton Honors
Key benefits
- Free Night Reward at $30k (Spend Tier) · $350
- Annual Free Night Reward · $350
- $219 CLEAR+ Credit · $219
- $400 Hilton Resort Credit · $200
- $100 Waldorf Astoria & Conrad Property Credit · $100
Bilt
Bilt Palladium Card
- Annual fee
- $495
- Network
- mastercard
- Welcome value
- $1,050
- Min spend
- $4,000 / 3mo
Top earning rates
- 5×Bilt dining · Bilt Points
- 4×Everyday purchases · Bilt Cash
- 4×Lyft · Bilt Points
- 4×Hotels · Bilt Points
Key benefits
- $400 Bilt Travel Hotel Credit · $200
- $200 of Bilt Cash · $200
- Concierge Service. · $0
- No Foreign Transaction Fees · $0
- Priority Pass Membership · $0
Wondering which one is right for your wallet?
Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.
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