Amex Hilton Honors vs Wells Fargo Bilt Mastercard
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Amex Hilton Honors wins 2-1. No-fee Hilton card — solid for occasional Hilton stays. Wells Fargo Bilt Mastercard is still the right call if pay rent without fees — only no-fee card that earns points on rent..
Side-by-side
| Criterion | Amex Hilton Honors | Wells Fargo Bilt Mastercard |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 7% (travel) | · 3% (travel) |
| Base reward rate | 3% | · 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 70,000 Hilton points after $2,000 spend in 6 months | = No welcome bonus — value lives in rent payments |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 670 | = 670 |
| Editorial rating | · 4.1/5 | 4.5/5 |
Benefits compared
Amex Hilton Honors
- 7x Hilton Honors points at Hilton hotels
- 5x at US restaurants + gas stations
- 3x on everything else
- Hilton Honors Silver status
- No annual fee, no foreign transaction fees
Wells Fargo Bilt Mastercard
- 1x points on rent (up to 100K points/year, no transaction fee)
- 3x on dining
- 2x on travel
- 1x on everything else
- Transfer to 14 airline + hotel partners
- No annual fee, no foreign transaction fees
FAQ
›Amex Hilton Honors vs Wells Fargo Bilt Mastercard: which is better?
Amex Hilton Honors wins on more dimensions (2 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Amex Hilton Honors for its best categories, Wells Fargo Bilt Mastercard for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amex Hilton Honors: 70,000 Hilton points after $2,000 spend in 6 months. Wells Fargo Bilt Mastercard: No welcome bonus — value lives in rent payments.