Editorial take: American Express Green Card
Hard to justify vs. Chase Sapphire Preferred at $95 with stronger earning. The CLEAR credit is nice but only useful if your airport has CLEAR lines. Most people are better off with Sapphire or Amex Gold.
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Side-by-side
American Express Green Card vs Bilt Mastercard (legacy, Wells Fargo)
Both are travel travel cards. The American Express Green Card comes from American Express at $150/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 Green Card is the stronger pick today, the sign-up bonus is meaningfully larger ($720 more in estimated value) than the Bilt Mastercard (legacy, Wells Fargo)'s. Get the American Express Green Card first; revisit the Bilt Mastercard (legacy, Wells Fargo) after you've earned that bonus.
| Feature | American Express Green Card | Bilt Mastercard (legacy, Wells Fargo) |
|---|---|---|
| Annual fee | $150 | $0 |
| Sign-up bonus | 40,000 Membership Rewards points | Closed to new applicants |
| Bonus value (est.) | $720 | $0 |
| Min spend to unlock bonus | $3,000 in 3 mo | $0 in 0 mo |
| Issuer | American Express | Bilt / Wells Fargo |
| Card category | travel | travel |
| Best earning category (Travel) | 3x | 2x |
| Transfer partners | amex-mr | bilt |
| Headline benefits |
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Read the full review
American Express Green Card
$150/yr · 40,000 Membership Rewards points
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 Green Card or Bilt Mastercard (legacy, Wells Fargo)?
- The American Express Green Card has the bigger bonus, 40,000 Membership Rewards points, worth roughly $720, versus Closed to new applicants (~$0) on the Bilt Mastercard (legacy, Wells Fargo).
- Is the American Express Green Card's $150 annual fee worth it compared to the Bilt Mastercard (legacy, Wells Fargo)?
- At $150/yr, the American Express Green 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 American Express Green 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 American Express Green Card or the Bilt Mastercard (legacy, Wells Fargo) first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. American Express Green Card: $3,000 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.