Choosing between the Amazon Prime Visa (no annual fee) and the Bilt World Elite Mastercard (no annual fee) comes down to where you spend most. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.
Strongest in travel at 5% via portal. 5% at Amazon.com, Whole Foods, and Chase Travel; 2% on dining, gas, and transit.
Perfect if: You're comfortable booking through the issuer's portal for the best rate.
Apply NowUp to 1x points on rent/mortgage, 4% Bilt Cash on everyday spend. Earns a solid 4.0% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Amazon Prime Visa | Bilt World Elite Mastercard |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.0% | <strong>4.0%</strong> |
| Travel Rewards | <strong>5%</strong> | 4% |
| Dining Rewards | 2% | <strong>4%</strong> |
| Gas Rewards | 2% | <strong>4%</strong> |
| Key Benefits | 5% at Amazon.com, Whole Foods, and Chase Travel; 2% on dining, gas, and transit. | Up to 1x points on rent/mortgage, 4% Bilt Cash on everyday spend. |
Amazon Prime Visa pulls ahead for travel spending.
Bilt World Elite Mastercard wins on dining, groceries, gas.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.