Editorial take: American Express Business Gold
The 4x on your top two categories each month is uniquely flexible, if your business spend varies, this auto-adapts. The credits need active use to offset the fee.
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Side-by-side
American Express Business Gold vs Bilt Mastercard (legacy, Wells Fargo)
Both are well-respected travel cards. The American Express Business Gold comes from American Express at $375/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
For most people the American Express Business Gold is the stronger pick today, the sign-up bonus is meaningfully larger ($1,800 more in estimated value) than the Bilt Mastercard (legacy, Wells Fargo)'s. Get the American Express Business Gold first; revisit the Bilt Mastercard (legacy, Wells Fargo) after you've earned that bonus.
| Feature | American Express Business Gold | Bilt Mastercard (legacy, Wells Fargo) |
|---|---|---|
| Annual fee | $375 | $0 |
| Sign-up bonus | 100,000 Membership Rewards points | Closed to new applicants |
| Bonus value (est.) | $1,800 | $0 |
| Min spend to unlock bonus | $15,000 in 3 mo | $0 in 0 mo |
| Issuer | American Express | Bilt / Wells Fargo |
| Card category | business | travel |
| Best earning category (Top_two_categories) | 4x | 1x |
| Transfer partners | amex-mr | bilt |
| Headline benefits |
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Read the full review
American Express Business Gold
$375/yr · 100,000 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, American Express Business Gold or Bilt Mastercard (legacy, Wells Fargo)?
- The American Express Business Gold has the bigger bonus, 100,000 Membership Rewards points, worth roughly $1,800, versus Closed to new applicants (~$0) on the Bilt Mastercard (legacy, Wells Fargo).
- Is the American Express Business Gold's $375 annual fee worth it compared to the Bilt Mastercard (legacy, Wells Fargo)?
- At $375/yr, the American Express Business Gold is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Bilt Mastercard (legacy, Wells Fargo)'s, pick the one whose perks you'll actually use.
- Can I have both the American Express Business Gold 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 American Express Business Gold or the Bilt Mastercard (legacy, Wells Fargo) first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. American Express Business Gold: $15,000 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.