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Side-by-side

The Business Platinum Card from Amex vs Bilt Blue

Both are well-respected travel cards. The The Business Platinum Card from Amex comes from American Express at $895/yr; the Bilt Blue from Bilt / Cardless 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 The Business Platinum Card from Amex is the stronger pick today, the sign-up bonus is meaningfully larger ($2,600 more in estimated value) than the Bilt Blue's. Get the The Business Platinum Card from Amex first; revisit the Bilt Blue after you've earned that bonus.

FeatureThe Business Platinum Card from AmexBilt Blue
Annual fee$895$0
Sign-up bonus150,000 Membership Rewards points$100 Bilt Cash
Bonus value (est.)$2,700$100
Min spend to unlock bonus$20,000 in 3 mo$0 in 0 mo
IssuerAmerican ExpressBilt / Cardless
Card categorybusinesstravel
Best earning category (Flights_hotels_amextravel)5x1x
Transfer partnersamex-mrbilt
Headline benefits
  • 150k MR bonus
  • $910 in shopping credits
  • Centurion lounge access
  • 35% flight rebate
  • $0 annual fee
  • 1x everywhere, no caps
  • Up to 1.25x on rent
  • Rent Day 2x on the 1st
Read the full review
The Business Platinum Card from Amex
$895/yr · 150,000 Membership Rewards points
Read the full review
Bilt Blue
$0/yr · $100 Bilt Cash

Editorial take: The Business Platinum Card from Amex

Only worth it if you'll actually use the Dell, Indeed, and Adobe credits, they total $910 per year but require repeat spending at each vendor. If you do, this is the most credit-rich card on the market.

Editorial take: Bilt Blue

The no-fee entry tier of Bilt 2.0, launched February 7, 2026 by Cardless. Flat 1x earn (no bonus categories — those live on Obsidian and Palladium). Best for renters who want the no-fee anchor + full transfer partner access without paying $95+. The 5-transactions-per-cycle minimum from legacy Bilt is gone, and Rent Day still doubles everyday earn on the 1st.

Common questions

Which card has the bigger sign-up bonus, The Business Platinum Card from Amex or Bilt Blue?
The The Business Platinum Card from Amex has the bigger bonus, 150,000 Membership Rewards points, worth roughly $2,700, versus $100 Bilt Cash (~$100) on the Bilt Blue.
Is the The Business Platinum Card from Amex's $895 annual fee worth it compared to the Bilt Blue?
Premium cards like the The Business Platinum Card from Amex ($895/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $895+ of those credits, the math works. The Bilt Blue at $0/yr trades some perks for a lower commitment.
Can I have both the The Business Platinum Card from Amex and Bilt Blue?
Yes, since they're from different issuers (American Express and Bilt / Cardless) 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 The Business Platinum Card from Amex or the Bilt Blue first?
Get the one whose sign-up bonus you can hit comfortably without overspending. The Business Platinum Card from Amex: $20,000 spend in 3 months. Bilt Blue: $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.