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
Both are well-respected travel cards. The Blue Business Plus from Amex comes from American Express at $0/yr; the Bilt Mastercard 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 |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | 15,000 points | No public offer |
| Bonus value (est.) | $300 | $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) | 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 points
Read the full review
Bilt Mastercard
$0/yr · No public offer
Editorial take: Bilt Mastercard
The only card that earns points on rent with no fees. Pair it with Rent Day on the 1st of each month for bonus earning, then transfer to top partners like Hyatt at 1:1. A must-have for renters.
Common questions
- Which card has the bigger sign-up bonus, Blue Business Plus from Amex or Bilt Mastercard?
- The Blue Business Plus from Amex has the bigger bonus — 15,000 points, worth roughly $300, versus No public offer (~$0) on the Bilt Mastercard.
- Is the Blue Business Plus from Amex's $0 annual fee worth it compared to the Bilt Mastercard?
- The Blue Business Plus from Amex has no annual fee, so the question is whether the Bilt Mastercard's $0 fee is justified by its perks. If you'll use enough of the Bilt Mastercard'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?
- 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 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: $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.