Editorial take: Blue Business Plus from Amex
The silent workhorse of the Amex MR ecosystem. 2x on everything up to $50k/year with no annual fee. Pair it with the Platinum or Gold to unlock transfers, and you have a powerful everyday earner.
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Side-by-side
Blue Business Plus from Amex vs Bilt Mastercard (legacy, Wells Fargo)
Both are well-respected travel cards. The Blue Business Plus from Amex 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.
| Feature | Blue Business Plus from Amex | Bilt Mastercard (legacy, Wells Fargo) |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | 15,000 Membership Rewards points | Closed to new applicants |
| Bonus value (est.) | $270 | $0 |
| Min spend to unlock bonus | $3,000 in 3 mo | $0 in 0 mo |
| Issuer | American Express | Bilt / Wells Fargo |
| Card category | business | travel |
| Best earning category (All_purchases_first_50k_per_year) | 2x | 1x |
| Transfer partners | amex-mr | bilt |
| Headline benefits |
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Read the full review
Blue Business Plus from Amex
$0/yr · 15,000 Membership Rewards points
Read the full review
Bilt Mastercard (legacy, Wells Fargo)
$0/yr · Closed to new applicants
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 Plus from Amex or Bilt Mastercard (legacy, Wells Fargo)?
- The Blue Business Plus from Amex has the bigger bonus, 15,000 Membership Rewards points, worth roughly $270, versus Closed to new applicants (~$0) on the Bilt Mastercard (legacy, Wells Fargo).
- Is the Blue Business Plus from Amex's $0 annual fee worth it compared to the Bilt Mastercard (legacy, Wells Fargo)?
- The Blue Business Plus from Amex 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 Plus from Amex.
- Can I have both the Blue Business Plus from Amex 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 Plus from Amex or the Bilt Mastercard (legacy, Wells Fargo) first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Blue Business Plus from Amex: $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.