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Side-by-side

Delta SkyMiles Blue Business American Express Card vs Bilt Mastercard (legacy, Wells Fargo)

Both are well-respected travel cards. The Delta SkyMiles Blue Business American Express Card 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.

FeatureDelta SkyMiles Blue Business American Express CardBilt Mastercard (legacy, Wells Fargo)
Annual fee$0$0
Sign-up bonus10,000 Delta SkyMilesClosed to new applicants
Bonus value (est.)$110$0
Min spend to unlock bonus$1,000 in 6 mo$0 in 0 mo
IssuerAmerican ExpressBilt / Wells Fargo
Card categorybusinesstravel
Best earning category (Delta)2x1x
Transfer partnersdelta-skymilesbilt
Headline benefits
  • $0 annual fee
  • 2X Delta + 2X restaurants
  • 20% off Delta in-flight
  • No foreign transaction fees
  • 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
Delta SkyMiles Blue Business American Express Card
$0/yr · 10,000 Delta SkyMiles
Read the full review
Bilt Mastercard (legacy, Wells Fargo)
$0/yr · Closed to new applicants

Editorial take: Delta SkyMiles Blue Business American Express Card

The $0 annual fee Delta business card. Holds the SkyMiles relationship alive at zero cost and earns 2X on Delta + restaurants. For business owners flying Delta even occasionally, the $150 Gold Business's first-bag-free and 2X shipping/advertising categories usually justify the upgrade.

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, Delta SkyMiles Blue Business American Express Card or Bilt Mastercard (legacy, Wells Fargo)?
The Delta SkyMiles Blue Business American Express Card has the bigger bonus, 10,000 Delta SkyMiles, worth roughly $110, versus Closed to new applicants (~$0) on the Bilt Mastercard (legacy, Wells Fargo).
Is the Delta SkyMiles Blue Business American Express Card's $0 annual fee worth it compared to the Bilt Mastercard (legacy, Wells Fargo)?
The Delta SkyMiles Blue Business American Express Card 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 Delta SkyMiles Blue Business American Express Card.
Can I have both the Delta SkyMiles Blue Business American Express Card 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 Delta SkyMiles Blue Business American Express Card or the Bilt Mastercard (legacy, Wells Fargo) first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Blue Business American Express Card: $1,000 spend in 6 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.