Which card has a lower annual fee, Bilt Card (Blue) or Bilt World Elite Mastercard?

The Bilt Card (Blue) has no annual fee, compared to $0 for the Bilt World Elite Mastercard.

Which card earns more cash back, Bilt Card (Blue) or Bilt World Elite Mastercard?

The Bilt Card (Blue) earns 1.0% base cash back, while the Bilt World Elite Mastercard earns 4.0%. The best choice depends on your spending habits. Use the calculator to see which card earns you more.

Is the Bilt Card (Blue) better than the Bilt World Elite Mastercard?

It depends on your spending. If you spend more on categories where the Bilt Card (Blue) offers higher rewards, it may be better. Use our calculator to compare based on your actual monthly spending.

Bilt Card (Blue) vs Bilt World Elite Mastercard: Which Card Wins for Your Spending?

Which earns more for you?

Travel ($)

Dining ($)

Groceries ($)

Gas ($)

Special ($)

Other ($)

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 Bilt Card (Blue) (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.

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Meet the Contenders

Bilt Card (Blue)

1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee).

Annual fee: None Foreign fees: 0%

Perfect if: You want solid rewards without paying an annual fee.

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Bilt World Elite Mastercard

Up to 1x points on rent/mortgage, 4% Bilt Cash on everyday spend. Earns a solid 4.0% on everything else.

Annual fee: None Foreign fees: 0%

Perfect if: You want solid rewards without paying an annual fee.

Apply Now

Head-to-Head Comparison

Feature	Bilt Card (Blue)	Bilt World Elite Mastercard
Annual Fee	$0	$0
Sign-Up Bonus	None	None
Foreign Transaction Fee	0%	0%
Base Reward Rate	1.0%	4.0%
Key Benefits	1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee).	Up to 1x points on rent/mortgage, 4% Bilt Cash on everyday spend.

The Verdict

Bilt World Elite Mastercard wins on travel, dining, groceries, gas.

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.