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Side-by-side

The Business Platinum Card from Amex vs Bilt Mastercard (legacy, Wells Fargo)

Both are well-respected travel cards. The The Business Platinum Card from Amex comes from American Express at $895/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 The Business Platinum Card from Amex is the stronger pick today, the sign-up bonus is meaningfully larger ($2,700 more in estimated value) than the Bilt Mastercard (legacy, Wells Fargo)'s. Get the The Business Platinum Card from Amex first; revisit the Bilt Mastercard (legacy, Wells Fargo) after you've earned that bonus.

FeatureThe Business Platinum Card from AmexBilt Mastercard (legacy, Wells Fargo)
Annual fee$895$0
Sign-up bonus150,000 Membership Rewards pointsClosed to new applicants
Bonus value (est.)$2,700$0
Min spend to unlock bonus$20,000 in 3 mo$0 in 0 mo
IssuerAmerican ExpressBilt / Wells Fargo
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
  • 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
The Business Platinum Card from Amex
$895/yr · 150,000 Membership Rewards points
Read the full review
Bilt Mastercard (legacy, Wells Fargo)
$0/yr · Closed to new applicants

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 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, The Business Platinum Card from Amex or Bilt Mastercard (legacy, Wells Fargo)?
The The Business Platinum Card from Amex has the bigger bonus, 150,000 Membership Rewards points, worth roughly $2,700, versus Closed to new applicants (~$0) on the Bilt Mastercard (legacy, Wells Fargo).
Is the The Business Platinum Card from Amex's $895 annual fee worth it compared to the Bilt Mastercard (legacy, Wells Fargo)?
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 Mastercard (legacy, Wells Fargo) at $0/yr trades some perks for a lower commitment.
Can I have both the The Business Platinum Card 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 The Business Platinum Card from Amex or the Bilt Mastercard (legacy, Wells Fargo) 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 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.