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Side-by-side

Blue Business Cash Card from American Express vs Bilt Mastercard (legacy, Wells Fargo)

Both are well-respected travel cards. The Blue Business Cash Card from American Express comes from American Express at $0/yr; the Bilt Mastercard (legacy, Wells Fargo) from Bilt / Wells Fargo at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureBlue Business Cash Card from American ExpressBilt Mastercard (legacy, Wells Fargo)
Annual fee$0$0
Sign-up bonus$250 statement creditClosed to new applicants
Bonus value (est.)$250$0
Min spend to unlock bonus$3,000 in 3 mo$0 in 0 mo
IssuerAmerican ExpressBilt / Wells Fargo
Card categorybusinesstravel
Best earning category (All_purchases_first_50k_per_year)2x1x
Transfer partnersNonebilt
Headline benefits
  • 2% cash back up to $50K/yr
  • $0 annual fee
  • 0% intro APR 12 months
  • Auto-credited to statement
  • Closed to new applicants (Wells Fargo)
  • Existing cards being migrated
  • Apply for Bilt 2.0 (Cardless) instead
  • 100k pt/yr rent cap (legacy)
Read the full review
Blue Business Cash Card from American Express
$0/yr · $250 statement credit
Read the full review
Bilt Mastercard (legacy, Wells Fargo)
$0/yr · Closed to new applicants

Editorial take: Blue Business Cash Card from American Express

The cash-back twin of the Blue Business Plus. Same 2% catch-all up to $50K/year, but you get automatic statement credit instead of Membership Rewards points. Simpler for businesses that don't want to manage a points balance; less ceiling than the Plus for transfer-partner redemptions.

Editorial take: Bilt Mastercard (legacy, Wells Fargo)

Closed to new applicants. Bilt launched its 2.0 portfolio (Blue / Obsidian / Palladium) on February 7, 2026 with Cardless as the new issuer. Existing Wells Fargo Bilt Mastercard holders are being migrated; new applicants should apply for one of the Bilt 2.0 tiers via biltrewards.com.

Common questions

Which card has the bigger sign-up bonus, Blue Business Cash Card from American Express or Bilt Mastercard (legacy, Wells Fargo)?
The Blue Business Cash Card from American Express has the bigger bonus, $250 statement credit, worth roughly $250, versus Closed to new applicants (~$0) on the Bilt Mastercard (legacy, Wells Fargo).
Is the Blue Business Cash Card from American Express's $0 annual fee worth it compared to the Bilt Mastercard (legacy, Wells Fargo)?
The Blue Business Cash Card from American Express has no annual fee, so the question is whether the Bilt Mastercard (legacy, Wells Fargo)'s $0 fee is justified by its perks. If you'll use enough of the Bilt Mastercard (legacy, Wells Fargo)'s benefits to clear $0 in value annually, it's worth it; otherwise stick with the Blue Business Cash Card from American Express.
Can I have both the Blue Business Cash Card from American Express and Bilt Mastercard (legacy, Wells Fargo)?
Yes, since they're from different issuers (American Express and Bilt / Wells Fargo) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Blue Business Cash Card from American Express or the Bilt Mastercard (legacy, Wells Fargo) first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Blue Business Cash Card from American Express: $3,000 spend in 3 months. Bilt Mastercard (legacy, Wells Fargo): $0 in 0 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.