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Side-by-side

Bilt Mastercard (legacy, Wells Fargo) vs TAP Miles and Go American Express Card

Both are well-respected travel cards. The Bilt Mastercard (legacy, Wells Fargo) comes from Bilt / Wells Fargo at $0/yr; the TAP Miles and Go American Express Card from Cardless at $79/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureBilt Mastercard (legacy, Wells Fargo)TAP Miles and Go American Express Card
Annual fee$0$79
Sign-up bonusClosed to new applicants40,000 bonus miles
Bonus value (est.)$0-
Min spend to unlock bonus$0 in 0 mo$2,500 in 3 mo
IssuerBilt / Wells FargoCardless
Card categorytravelairline
Best earning category (Dining)3x1x
Transfer partnersbiltNone
Headline benefits
  • Closed to new applicants (Wells Fargo)
  • Existing cards being migrated
  • Apply for Bilt 2.0 (Cardless) instead
  • 100k pt/yr rent cap (legacy)
  • 3x miles on TAP purchases
  • 2 Lisbon lounge passes per year
  • Free extra checked bag
  • Star Alliance redemptions
Read the full review
Bilt Mastercard (legacy, Wells Fargo)
$0/yr · Closed to new applicants
Read the full review
TAP Miles and Go American Express Card
$79/yr · 40,000 bonus miles

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.

Editorial take: TAP Miles and Go American Express Card

The only US co-branded card for a European Star Alliance carrier. Useful if you fly TAP to Lisbon or onward Europe several times a year, since the lounge passes, free extra bag, and Premium Boarding can each be worth more than the $79 annual fee on a single transatlantic trip.

Common questions

Which card has the bigger sign-up bonus, Bilt Mastercard (legacy, Wells Fargo) or TAP Miles and Go American Express Card?
The Bilt Mastercard (legacy, Wells Fargo) has a public bonus (Closed to new applicants, worth roughly $0), while the TAP Miles and Go American Express Card doesn't advertise one right now.
Is the Bilt Mastercard (legacy, Wells Fargo)'s $0 annual fee worth it compared to the TAP Miles and Go American Express Card?
The Bilt Mastercard (legacy, Wells Fargo) 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 Mastercard (legacy, Wells Fargo).
Can I have both the Bilt Mastercard (legacy, Wells Fargo) and TAP Miles and Go American Express Card?
Yes, since they're from different issuers (Bilt / Wells Fargo 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 Mastercard (legacy, Wells Fargo) or the TAP Miles and Go American Express Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Mastercard (legacy, Wells Fargo): $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.

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.