Bilt Blue vs TAP Miles and Go American Express Card

Common questions

Which card has the bigger sign-up bonus, Bilt Blue or TAP Miles and Go American Express Card?

The Bilt Blue has a public bonus ($100 Bilt Cash, worth roughly $100), while the TAP Miles and Go American Express Card doesn't advertise one right now.

Is the Bilt Blue's $0 annual fee worth it compared to the TAP Miles and Go American Express Card?

The Bilt Blue has no annual fee, so the question is whether the TAP Miles and Go American Express Card's $79 fee is justified by its perks. If you'll use enough of the TAP Miles and Go American Express Card's benefits to clear $79 in value annually, it's worth it; otherwise stick with the Bilt Blue.

Can I have both the Bilt Blue and TAP Miles and Go American Express Card?

Yes, since they're from different issuers (Bilt / Cardless and 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 Bilt Blue or the TAP Miles and Go American Express Card first?

Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Blue: $0 spend in 0 months. TAP Miles and Go American Express Card: $2,500 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.