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Card vs Card Comparison

Amex Gold
vs
Bilt Mastercard.

Updated

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the real scenarios where each one wins.

American Express

Amex Gold

Annual fee

$325

Points

Membership Rewards

Signup bonus

60K points after $6K in 6 months

Top earning rates

  • →4x on restaurants worldwide
  • →4x on US supermarkets (up to $25K per year)
  • →3x on flights booked direct or on Amex Travel

Top perks

  • →$120 Uber Cash ($10 per month)
  • →$120 dining credit ($10 per month at select partners)
  • →$84 Dunkin' credit
See Amex Gold detailsarrow_forward

Wells Fargo

Bilt Mastercard

Annual fee

Free

Points

Bilt Rewards

Signup bonus

No signup bonus (by design)

Top earning rates

  • →1x on rent with no fees
  • →2x on travel
  • →3x on dining

Top perks

  • →Pay rent without fees (the headline benefit)
  • →Bilt transfer partners including American, United, and Hyatt
  • →Members-only Bilt events
See Bilt Mastercard detailsarrow_forward

The verdict

When each card wins.

Amex Gold wins if

Pick this if you spend heavily on restaurants and US groceries and will use the monthly credits as they drop.

Honest downside: Credits split into monthly buckets that you forfeit if you miss a month.

Bilt Mastercard wins if

Pick this if you rent. Earning transferable points on rent is unique to this card.

Honest downside: Useless if you do not rent. Mediocre everyday earner otherwise.

At a glance

Side-by-side spec sheet.

SpecAmex GoldBilt Mastercard
Annual fee$325Free
Points currencyMembership RewardsBilt Rewards
Signup bonus60K pointsNo signup bonus (by design)
Top earn category4x on restaurants worldwide1x on rent with no fees
Second earn category4x on US supermarkets (up to $25K per year)2x on travel
Third earn category3x on flights booked direct or on Amex Travel3x on dining
Signature perk$120 Uber Cash ($10 per month)Pay rent without fees (the headline benefit)
IssuerAmerican ExpressWells Fargo

Questions

Frequently asked.

Which is better, Amex Gold or Bilt Mastercard?

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Amex Gold wins if you spend heavily on restaurants and US groceries and will use the monthly credits as they drop. Bilt Mastercard wins if you rent. Earning transferable points on rent is unique to this card.

Can I have both the Amex Gold and the Bilt Mastercard?

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Yes. These are issued by different banks (American Express and Wells Fargo), so they don't conflict on application rules. Many travelers carry both to stack the strongest benefits from each card's ecosystem.

Which has the higher annual fee, Amex Gold or Bilt Mastercard?

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Amex Gold has the higher annual fee at $325, compared to $0 for Bilt Mastercard. Whether the pricier card is worth the difference depends on which credits and perks you use each year.