American Express Gold Card vs Bilt World Elite Mastercard
Compare the American Express Gold Card ($325/yr) against the Bilt World Elite Mastercard ($0/yr) to see which card earns you more rewards based on your spending.
See how the American Express Gold Card and Bilt World Elite Mastercard stack up across annual fees, reward rates, and key benefits. Use the calculator below to find which card maximizes your rewards based on your actual spending.
| Feature | American Express Gold Card | Bilt World Elite Mastercard |
|---|---|---|
| Annual Fee | $325 | $0 |
| Sign-Up Bonus | 60,000 points after $6,000 spend in 6 months | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.0% | 4.0% |
| Travel Rewards | 3% | 4.0% |
| Dining Rewards | 4% (up to $50,000/yr) | 4.0% |
| Grocery Rewards | 4% (up to $25,000/yr) | 4.0% |
| Key Benefits | 4X points at restaurants worldwide, 4X on U.S. supermarkets, 3X on flights. | Up to 1x points on rent/mortgage, 4% Bilt Cash on everyday spend. |
| Issuer | American Express | Bilt Rewards |
Quick Summary
The American Express Gold Card has a $325 annual fee ($325/year more than Bilt World Elite Mastercard).
Bilt World Elite Mastercard has a higher base reward rate (4.0% vs 1.0%).
Which Card is Better for Your Spending?
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