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 World Elite Mastercard (no annual fee) and the Sam's Club 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.
Up 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 NowStrongest in gas at 5% (up to $6,000/yr). 5% on gas and EV charging (first $6,000/yr), 3% on dining and takeout, 1% elsewhere. Warehouse purchases earn 1% unless you hold a Plus membership.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Bilt World Elite Mastercard | Sam's Club Mastercard |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | $30 after $30 spend in 1 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 4.0% | 1.0% |
| Dining Rewards | 4% | 3% |
| Gas Rewards | 4% | 5% (up to $6,000/yr) |
| Rates with conditions not counted in the rows above |
None |
3% at Sam's Club with Plus Earns 3% on Sam's Club purchases only with a Plus membership, which costs more than the base Club tier. Club members earn 1% there, and groceries bought anywhere else earn 1%. |
| Key Benefits | Up to 1x points on rent/mortgage, 4% Bilt Cash on everyday spend. | 5% on gas and EV charging (first $6,000/yr), 3% on dining and takeout, 1% elsewhere. Warehouse purchases earn 1% unless you hold a Plus membership. |
Bilt World Elite Mastercard pulls ahead for travel, dining, groceries spending.
Sam's Club Mastercard wins on 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.