bank comparison · 2¢ vs 2.1¢
Amex Membership Rewards vs Bilt Rewards
Side-by-side: cents-per-point, sweet-spot depth, and which program wins for your trip mix.
All program comparisons
Bottom line: our valuation framework values Bilt Rewards higher at 2.1¢ per point. The other program at 2¢ still has its place, see below for use cases where it pulls ahead.
Amex Membership Rewards
bank
CPP
2¢
Sweet spots
0+
Full program details
OUR PICK
Bilt Rewards
bank
CPP
2.1¢
Sweet spots
0+
Full program details
When Amex Membership Rewards wins
Lean toward Amex Membership Rewards if your card portfolio is heavy on its earning structure.
When Bilt Rewards wins
Higher baseline CPP (2.1¢ vs 2¢). Lean toward Bilt Rewards if your spending categories align with its bonus tiers.
How we value: our CPP numbers are anchored to saver award space at the median observed redemption, not chart-floor pricing. Read the full valuation methodology for why our numbers run lower than competitor rankings.