Bilt World Elite Mastercard vs Gemini Credit Card
Compare the Bilt World Elite Mastercard ($0/yr) against the Gemini Credit Card ($0/yr) to see which card earns you more rewards based on your spending.
See how the Bilt World Elite Mastercard and Gemini Credit Card 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 | Bilt World Elite Mastercard | Gemini Credit Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | $200 after $3,000 spend in 90 days |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 4.0% | 1.0% |
| Dining Rewards | 4.0% | 3% |
| Grocery Rewards | 4.0% | 2% |
| Gas Rewards | 4.0% | 4% (up to $3,600/yr) |
| Key Benefits | Up to 1x points on rent/mortgage, 4% Bilt Cash on everyday spend. | 4% on gas/EV/transit (up to $300/month), 3% dining, 2% groceries. |
| Issuer | Bilt Rewards | WebBank |
Quick Summary
The Bilt World Elite Mastercard has a $0 annual fee (same as Gemini Credit Card).
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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