Editorial take: Bilt Mastercard
The only card that earns points on rent with no fees. Pair it with Rent Day on the 1st of each month for bonus earning, then transfer to top partners like Hyatt at 1:1. A must-have for renters.
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Side-by-side
Bilt Mastercard vs Delta SkyMiles Gold Amex
Both are well-respected travel cards. The Bilt Mastercard comes from Bilt / Wells Fargo at $0/yr; the Delta SkyMiles Gold Amex 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 Amex is the stronger pick today — the sign-up bonus is meaningfully larger ($840 more in estimated value) than the Bilt Mastercard's. Get the Delta SkyMiles Gold Amex first; revisit the Bilt Mastercard after you've earned that bonus.
| Feature | Bilt Mastercard | Delta SkyMiles Gold Amex |
|---|---|---|
| Annual fee | $0 | $150 |
| Sign-up bonus | No public offer | 70,000 miles |
| Bonus value (est.) | $0 | $840 |
| Min spend to unlock bonus | $0 in 0 mo | $3,000 in 6 mo |
| Issuer | Bilt / Wells Fargo | American Express |
| Card category | travel | airline |
| Best earning category (Dining) | 3x | 1x |
| Transfer partners | bilt | None |
| Headline benefits |
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Read the full review
Bilt Mastercard
$0/yr · No public offer
Read the full review
Delta SkyMiles Gold Amex
$150/yr · 70,000 miles
Editorial take: Delta SkyMiles Gold Amex
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 or Delta SkyMiles Gold Amex?
- The Delta SkyMiles Gold Amex has the bigger bonus — 70,000 miles, worth roughly $840, versus No public offer (~$0) on the Bilt Mastercard.
- Is the Bilt Mastercard's $0 annual fee worth it compared to the Delta SkyMiles Gold Amex?
- The Bilt Mastercard has no annual fee, so the question is whether the Delta SkyMiles Gold Amex's $150 fee is justified by its perks. If you'll use enough of the Delta SkyMiles Gold Amex's benefits to clear $150 in value annually, it's worth it; otherwise stick with the Bilt Mastercard.
- Can I have both the Bilt Mastercard and Delta SkyMiles Gold Amex?
- 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 or the Delta SkyMiles Gold Amex first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Mastercard: $0 spend in 0 months. Delta SkyMiles Gold Amex: $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.