American Express® Gold vs Bilt Blue
Side-by-side comparison
| American Express® Gold | Bilt Blue | |
|---|---|---|
| Annual fee | $325 | No annual fee |
| Welcome offer | 100,000 Membership Rewards® Points | $100 in Bilt Cash on account opening |
| Dining | 4x | 1x |
| Groceries | 4x | 1x |
| Gas | 1x | 1x |
| Travel | 3x | 2x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $598 | $310 |
| Points type | Transfers to airlines & hotels | Transfers to airlines & hotels |
| Network | Amex | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the American Express® Gold earns about $598 a year in rewards and the Bilt Blue about $310, valuing every point at a flat 1 cent. The American Express® Gold charges $325, but carries about $424 in annual statement credits that offset it for anyone who uses them. The Bilt Blue has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the American Express® Gold delivers more total value, about $125 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and dining. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. On the sign-up bonus, the American Express® Gold currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the American Express® Gold if your spending leans toward dining, groceries, travel.