Bilt Obsidian vs Hilton Honors American Express Business Card
Side-by-side comparison
| Bilt Obsidian | Hilton Honors American Express Business Card | |
|---|---|---|
| Annual fee | $95 | $195 |
| Welcome offer | $200 in Bilt Cash on account opening | 130,000 points |
| Advertising | 1% | 3% |
| Shipping | 1% | 5% |
| Office supplies | 1% | 3% |
| Phone & internet | 1% | 5% |
| Travel | 2% | 5% |
| Everything else | 1% | 3% |
| Est. yearly rewards* | $546 | $1,638 |
| Points type | Transfers to airlines & hotels | Locked to Hilton Honors |
| Network | Mastercard | Amex |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the Bilt Obsidian earns about $546 a year in rewards and the Hilton Honors American Express Business Card about $1,638, valuing every point at a flat 1 cent. The Bilt Obsidian charges $95, but carries about $300 in annual statement credits that offset it for anyone who uses them. The Hilton Honors American Express Business Card charges $195, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Hilton Honors American Express Business Card delivers more total value, about $842 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. The bigger difference is the ceiling: the Bilt Obsidian earns points you can move to travel partners for outsized value, while the Hilton Honors American Express Business Card stays locked to a single airline or hotel program. Favor the Bilt Obsidian if you will use travel transfers, the Hilton Honors American Express Business Card if you want simplicity. On the sign-up bonus, the Hilton Honors American Express Business Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Hilton Honors American Express Business Card if your spending leans toward advertising, shipping, office supplies.