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.
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Side-by-side
Delta SkyMiles Platinum Business American Express Card vs Bilt Mastercard (legacy, Wells Fargo)
Both are well-respected travel cards. The Delta SkyMiles Platinum Business American Express Card comes from American Express at $350/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 Delta SkyMiles Platinum Business American Express Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,130 more in estimated value) than the Bilt Mastercard (legacy, Wells Fargo)'s. Get the Delta SkyMiles Platinum Business American Express Card first; revisit the Bilt Mastercard (legacy, Wells Fargo) after you've earned that bonus.
| Feature | Delta SkyMiles Platinum Business American Express Card | Bilt Mastercard (legacy, Wells Fargo) |
|---|---|---|
| Annual fee | $350 | $0 |
| Sign-up bonus | 100,000 miles | Closed to new applicants |
| Bonus value (est.) | $1,130 | $0 |
| Min spend to unlock bonus | $10,000 in 6 mo | $0 in 0 mo |
| Issuer | American Express | Bilt / Wells Fargo |
| Card category | airline | travel |
| Best earning category (Delta) | 3x | 1x |
| Transfer partners | None | bilt |
| Headline benefits |
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Read the full review
Delta SkyMiles Platinum Business American Express Card
$350/yr · 100,000 miles
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, Delta SkyMiles Platinum Business American Express Card or Bilt Mastercard (legacy, Wells Fargo)?
- The Delta SkyMiles Platinum Business American Express Card has the bigger bonus, 100,000 miles, worth roughly $1,130, versus Closed to new applicants (~$0) on the Bilt Mastercard (legacy, Wells Fargo).
- Is the Delta SkyMiles Platinum Business American Express Card's $350 annual fee worth it compared to the Bilt Mastercard (legacy, Wells Fargo)?
- 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 Mastercard (legacy, Wells Fargo)'s, pick the one whose perks you'll actually use.
- Can I have both the Delta SkyMiles Platinum 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 Platinum 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 Platinum Business American Express Card: $10,000 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.