Bilt Blue vs Delta SkyMiles Gold American Express Card

Common questions

Which card has the bigger sign-up bonus, Bilt Blue or Delta SkyMiles Gold American Express Card?

The Delta SkyMiles Gold American Express Card has the bigger bonus, 80,000 bonus miles, worth roughly $960, versus $100 Bilt Cash (~$100) on the Bilt Blue.

Is the Bilt Blue's $0 annual fee worth it compared to the Delta SkyMiles Gold American Express Card?

The Bilt Blue has no annual fee, so the question is whether the Delta SkyMiles Gold American Express Card's $150 fee is justified by its perks. If you'll use enough of the Delta SkyMiles Gold American Express Card's benefits to clear $150 in value annually, it's worth it; otherwise stick with the Bilt Blue.

Can I have both the Bilt Blue and Delta SkyMiles Gold American Express Card?

Yes, since they're from different issuers (Bilt / Cardless and American Express) 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 Delta SkyMiles Gold American Express Card first?

Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Blue: $0 spend in 0 months. Delta SkyMiles Gold American Express Card: $3,000 in 6 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.