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Marriott Bonvoy Business American Express Card vs Bilt Mastercard (legacy, Wells Fargo)

Both are well-respected travel cards. The Marriott Bonvoy Business American Express Card comes from American Express at $125/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 Marriott Bonvoy Business American Express Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,800 more in estimated value) than the Bilt Mastercard (legacy, Wells Fargo)'s. Get the Marriott Bonvoy Business American Express Card first; revisit the Bilt Mastercard (legacy, Wells Fargo) after you've earned that bonus.

FeatureMarriott Bonvoy Business American Express CardBilt Mastercard (legacy, Wells Fargo)
Annual fee$125$0
Sign-up bonus150,000 points + $125 statement creditClosed to new applicants
Bonus value (est.)$1,800$0
Min spend to unlock bonus$8,000 in 6 mo$0 in 0 mo
IssuerAmerican ExpressBilt / Wells Fargo
Card categoryhoteltravel
Best earning category (Marriott)6x1x
Transfer partnersNonebilt
Headline benefits
  • Annual 35k Free Night Award
  • 15 elite nights/year
  • 6x at Marriott
  • Silver status
  • 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
Marriott Bonvoy Business American Express Card
$125/yr · 150,000 points + $125 statement credit
Read the full review
Bilt Mastercard (legacy, Wells Fargo)
$0/yr · Closed to new applicants

Editorial take: Marriott Bonvoy Business American Express Card

The Marriott business card pulls its weight on the annual Free Night cert alone, a 35k cat-property is routinely $250-400/night cash. Add 15 elite night credits and the dining stipend and the $125 fee is easy.

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, Marriott Bonvoy Business American Express Card or Bilt Mastercard (legacy, Wells Fargo)?
The Marriott Bonvoy Business American Express Card has the bigger bonus, 150,000 points + $125 statement credit, worth roughly $1,800, versus Closed to new applicants (~$0) on the Bilt Mastercard (legacy, Wells Fargo).
Is the Marriott Bonvoy Business American Express Card's $125 annual fee worth it compared to the Bilt Mastercard (legacy, Wells Fargo)?
At $125/yr, the Marriott Bonvoy 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 Marriott Bonvoy 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 Marriott Bonvoy 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. Marriott Bonvoy Business American Express Card: $8,000 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.