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 American Express Green Card ($150/yr) 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 3%. 3X on travel, transit, and dining worldwide.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
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 | American Express Green Card | Bilt World Elite Mastercard |
|---|---|---|
| Annual Fee | $150 | $0 |
| Sign-Up Bonus | 40,000 points after $3,000 spend in 6 months | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 4% |
| Travel Rewards | 3% | 4% |
| Dining Rewards | 3% | 4% |
| Key Benefits | 3X on travel, transit, and dining worldwide. | Up to 1x points on rent/mortgage, 4% Bilt Cash on everyday spend. |
Bilt World Elite Mastercard wins on travel, dining, groceries, gas.
The $150/year fee difference means American Express Green Card needs to earn about that much more in rewards to justify its cost.
American Express Green Card carries $209/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.