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Side-by-side

Delta SkyMiles Platinum Business American Express Card vs Bilt Blue

Both are well-respected travel cards. The Delta SkyMiles Platinum Business American Express Card comes from American Express at $350/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 Delta SkyMiles Platinum Business American Express Card is the stronger pick today, the sign-up bonus is meaningfully larger ($740 more in estimated value) than the Bilt Blue's. Get the Delta SkyMiles Platinum Business American Express Card first; revisit the Bilt Blue after you've earned that bonus.

FeatureDelta SkyMiles Platinum Business American Express CardBilt Blue
Annual fee$350$0
Sign-up bonus70,000 miles$100 Bilt Cash
Bonus value (est.)$840$100
Min spend to unlock bonus$6,000 in 6 mo$0 in 0 mo
IssuerAmerican ExpressBilt / Cardless
Card categoryairlinetravel
Best earning category (Delta)3x1x
Transfer partnersNonebilt
Headline benefits
  • Annual companion cert
  • Free bag for 9 travelers
  • Sky Club at $50/visit
  • $10/mo resy credit
  • $0 annual fee
  • 1x everywhere, no caps
  • Up to 1.25x on rent
  • Rent Day 2x on the 1st
Read the full review
Delta SkyMiles Platinum Business American Express Card
$350/yr · 70,000 miles
Read the full review
Bilt Blue
$0/yr · $100 Bilt Cash

Editorial take: Delta SkyMiles Platinum Business American Express Card

Strong middle-tier Delta card. The annual companion certificate alone covers the $350 fee for any couple flying domestic. Sky Club access at member rate is also better than nothing.

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, Delta SkyMiles Platinum Business American Express Card or Bilt Blue?
The Delta SkyMiles Platinum Business American Express Card has the bigger bonus, 70,000 miles, worth roughly $840, versus $100 Bilt Cash (~$100) on the Bilt Blue.
Is the Delta SkyMiles Platinum Business American Express Card's $350 annual fee worth it compared to the Bilt Blue?
At $350/yr, the Delta SkyMiles Platinum Business American Express Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Bilt Blue's, pick the one whose perks you'll actually use.
Can I have both the Delta SkyMiles Platinum Business American Express Card 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 Delta SkyMiles Platinum Business American Express Card or the Bilt Blue first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Platinum Business American Express Card: $6,000 spend in 6 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.