Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Blue Cash Everyday® Card from American Express (no annual fee) and the Bilt Blue Card (no annual fee) comes down to where you spend most. Neither card has an annual fee, and Blue Cash Everyday earns at least as much as Bilt Blue Card in every category, more on groceries and gas. Enter your monthly spending above to see which comes out ahead for you.
Strongest in groceries at 3% (up to $6,000/yr). 3% at U.S. supermarkets, gas stations, and online retail (each up to $6,000/yr).
Perfect if: You want solid rewards without paying an annual fee.
Apply Now1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee).
Perfect if: You're comfortable booking through the issuer's own site for the best rate.
Apply Now| Feature | Blue Cash Everyday Card from American Express | Bilt Blue Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $2,000 spend in 6 months | None |
| Foreign Transaction Fee | 2.7% | 0% |
| Base Reward Rate | 1% | 1% |
| Groceries Rewards | 3% (up to $6,000/yr) | 1% |
| Gas Rewards | 3% (up to $6,000/yr) | 1% |
| Rates with conditions not counted in the rows above |
None |
3% on hotels through Bilt Travel Earns 3% only on hotels booked through Bilt Travel, Bilt's own booking site. Hotels booked anywhere else earn 1%. 2% on flights through Bilt Travel Earns 2% only on flights booked through Bilt Travel. Flights booked direct with an airline earn 1%. 3% on Lyft Earns 3% only on Lyft rides, after linking your Bilt and Lyft accounts. Other rideshare and travel earns 1%. |
| Key Benefits | 3% at U.S. supermarkets, gas stations, and online retail (each up to $6,000/yr). | 1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee). |
Blue Cash Everyday Card from American Express pulls ahead for groceries, gas spending.
Blue Cash Everyday Card from American Express carries $264/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.