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Bilt Mastercard (legacy, Wells Fargo) vs Delta SkyMiles Gold American Express Card

Both are well-respected travel cards. The Bilt Mastercard (legacy, Wells Fargo) comes from Bilt / Wells Fargo at $0/yr; the Delta SkyMiles Gold American Express Card from American Express at $150/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Delta SkyMiles Gold American Express Card is the stronger pick today, the sign-up bonus is meaningfully larger ($960 more in estimated value) than the Bilt Mastercard (legacy, Wells Fargo)'s. Get the Delta SkyMiles Gold American Express Card first; revisit the Bilt Mastercard (legacy, Wells Fargo) after you've earned that bonus.

FeatureBilt Mastercard (legacy, Wells Fargo)Delta SkyMiles Gold American Express Card
Annual fee$0$150
Sign-up bonusClosed to new applicants80,000 bonus miles
Bonus value (est.)$0$960
Min spend to unlock bonus$0 in 0 mo$3,000 in 6 mo
IssuerBilt / Wells FargoAmerican Express
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)
  • Free first checked bag
  • $200 Delta flight credit
  • Priority boarding
  • 2x on restaurants & groceries
Read the full review
Bilt Mastercard (legacy, Wells Fargo)
$0/yr · Closed to new applicants
Read the full review
Delta SkyMiles Gold American Express Card
$150/yr · 80,000 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: Delta SkyMiles Gold American Express Card

A good choice for Delta loyalists. The free checked bag and $200 flight credit easily offset the $150 annual fee if you fly Delta a few times a year.

Common questions

Which card has the bigger sign-up bonus, Bilt Mastercard (legacy, Wells Fargo) 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 Closed to new applicants (~$0) on the Bilt Mastercard (legacy, Wells Fargo).
Is the Bilt Mastercard (legacy, Wells Fargo)'s $0 annual fee worth it compared to the Delta SkyMiles Gold American Express Card?
The Bilt Mastercard (legacy, Wells Fargo) 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 Mastercard (legacy, Wells Fargo).
Can I have both the Bilt Mastercard (legacy, Wells Fargo) and Delta SkyMiles Gold American Express Card?
Yes, since they're from different issuers (Bilt / Wells Fargo 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 Mastercard (legacy, Wells Fargo) or the Delta SkyMiles Gold 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. 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.

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.