American Express Gold Card vs Bilt Mastercard
Head-to-head comparison of every feature, fee, and perk
At a Glance
Annual Fee
$250
vs
No annual fee
Base Rewards
1x
vs
1x
Sign-Up Bonus
$600
vs
None
Editor Score
9/10
vs
9/10
Detailed Comparison
| Category wins | 5/6 | 1/6 |
| Fees & APR | ||
| Annual Fee | $250✗ Highest | No annual fee★ Lowest |
| Purchase APR | 29.49% | 21.49% – 29.49% |
| Intro APR (Purchases) | ||
| Intro APR (Balance Transfer) | ||
| Foreign Txn Fee | None★ Lowest | None |
| Balance Transfer Fee | None | 5% |
| Rewards | ||
| Rewards Type | Points | Points |
| Base Rewards Rate | 1x★ Highest | 1x |
| Bonus Categories | 4x Restaurants · 4x Groceries · 3x Flights | 3x Dining · 2x Travel · 1x Rent payments |
| Sign-Up Bonus | $600 value★ Highest | ✗ Lowest |
| Eligibility | ||
| Credit Score | Excellent (750+) | Good (670-749) |
| Network | American Express | Mastercard |
| At a Glance | ||
| Best For | Foodies and grocery shoppers | Renters wanting to turn monthly rent into travel rewards |
| Ratings | ||
| User Rating | 4.6 / 5★ Highest | 4.6 / 5 |
| Editor Score | 9 / 10★ Highest | 9 / 10 |
| Apply Now | Apply | Apply |
| Full Review | View details → | View details → |
| Pros & Cons | ||
| Pros |
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| Cons |
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Our verdict: Too close to call
The American Express Gold Card ($250/year) and the Bilt Mastercard (no annual fee) compete on different axes. The American Express Gold Card's strongest category is 4x on Restaurants, while the Bilt Mastercard leads with 3x on Dining. The American Express Gold Card costs $250 more per year, so you need at least $250 in incremental rewards to justify it over the Bilt Mastercard. At typical spend levels this breaks even somewhere between $7,500 and $15,000 in bonus-category purchases annually. Our model scores these cards effectively even (2-2). Pick the American Express Gold Card if you spend heavily on restaurants; pick the Bilt Mastercard if you spend heavily on dining.
Too close to call — pick based on your primary spending category
Dimension-by-dimension
| Dimension | American Express Gold Card | Bilt Mastercard |
|---|---|---|
| Annual Fee | $250/year | no annual fee |
| Base Reward Rate | 1x on everything | 1x on everything |
| Top Bonus Category | 4x on Restaurants | 3x on Dining |
| Sign-Up Bonus | 60,000 points after spending $6,000 in 6 months | None advertised |
| Credit Score Required | excellent | good |
Green checkmark indicates the card that leans stronger on that dimension. Our scoring model evaluates these quantitatively — your specific needs may shift the answer.
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Common Questions
Which is better: American Express Gold Card or Bilt Mastercard?
It depends on your spending habits. The American Express Gold Card has a $250 annual fee and earns 1x base rewards. The Bilt Mastercard has no annual fee and earns 1x base rewards. Compare their bonus categories above to see which aligns better with your spending.
What is the annual fee difference between American Express Gold Card and Bilt Mastercard?
The American Express Gold Card has a $250 annual fee while the Bilt Mastercard has no annual fee. The American Express Gold Card costs $250 more per year, so it needs to deliver that much extra value in rewards and perks to justify the difference.
Can I have both the American Express Gold Card and Bilt Mastercard?
Yes, since these cards are from different issuers (American Express and Wells Fargo), you can hold both. Many people pair cards from different banks to maximize bonus category coverage across all their spending.