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 Bass Pro Shops CLUB Mastercard (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 they earn the same in every category we compare. Enter your monthly spending above to see which comes out ahead for you.
2% back at Bass Pro Shops and Cabela's, 1% elsewhere. The headline 5% needs $25,000 of annual spend.
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 | Bass Pro Shops CLUB Mastercard | Bilt Blue Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $60 after $10 spend in 30 days | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 1% |
| Rates with conditions not counted in the rows above |
5% after $25,000 annual spend The advertised 5% at Bass Pro Shops and Cabela's needs $25,000 of annual spend, with an intermediate 3% tier at $10,000. Below that the rate is 2%, which is what the ranking uses. |
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 | 2% back at Bass Pro Shops and Cabela's, 1% elsewhere. The headline 5% needs $25,000 of annual spend. | 1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee). |
These cards are closely matched across categories, so the winner comes down to your specific spending mix.
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.