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American Express Graphite Business Cash Unlimited vs Bilt Mastercard (legacy, Wells Fargo)
Both are well-respected travel cards. The American Express Graphite Business Cash Unlimited comes from American Express at $295/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 American Express Graphite Business Cash Unlimited is the stronger pick today, the sign-up bonus is meaningfully larger ($1,500 more in estimated value) than the Bilt Mastercard (legacy, Wells Fargo)'s. Get the American Express Graphite Business Cash Unlimited first; revisit the Bilt Mastercard (legacy, Wells Fargo) after you've earned that bonus.
| Feature | American Express Graphite Business Cash Unlimited | Bilt Mastercard (legacy, Wells Fargo) |
|---|---|---|
| Annual fee | $295 | $0 |
| Sign-up bonus | $1,500 cash back | Closed to new applicants |
| Bonus value (est.) | $1,500 | $0 |
| Min spend to unlock bonus | $50,000 in 6 mo | $0 in 0 mo |
| Issuer | American Express | Bilt / Wells Fargo |
| Card category | business | travel |
| Best earning category (Amex_travel_flights_prepaid_hotels) | 5x | 1x |
| Transfer partners | None | bilt |
| Headline benefits |
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Read the full review
American Express Graphite Business Cash Unlimited
$295/yr · $1,500 cash back
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, American Express Graphite Business Cash Unlimited or Bilt Mastercard (legacy, Wells Fargo)?
- The American Express Graphite Business Cash Unlimited has the bigger bonus, $1,500 cash back, worth roughly $1,500, versus Closed to new applicants (~$0) on the Bilt Mastercard (legacy, Wells Fargo).
- Is the American Express Graphite Business Cash Unlimited's $295 annual fee worth it compared to the Bilt Mastercard (legacy, Wells Fargo)?
- At $295/yr, the American Express Graphite Business Cash Unlimited 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 American Express Graphite Business Cash Unlimited 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 American Express Graphite Business Cash Unlimited or the Bilt Mastercard (legacy, Wells Fargo) first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. American Express Graphite Business Cash Unlimited: $50,000 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.