Amex Blue Cash Preferred vs Wells Fargo Bilt Mastercard
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Wells Fargo Bilt Mastercard wins 3-1. Pay rent without fees — only no-fee card that earns points on rent. Amex Blue Cash Preferred is still the right call if suburban families with kids — best us-supermarket card..
Side-by-side
| Criterion | Amex Blue Cash Preferred | Wells Fargo Bilt Mastercard |
|---|---|---|
| Annual fee | · $95 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 6% (shopping) | · 3% (travel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | · 2.7% | No FX fee |
| Welcome bonus | = $250 statement credit after $3,000 in 6 months | = No welcome bonus — value lives in rent payments |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 700 | 670 |
| Editorial rating | = 4.5/5 | = 4.5/5 |
Benefits compared
Amex Blue Cash Preferred
- 6% cashback on US supermarkets (up to $6K/year, then 1%)
- 6% on streaming subscriptions
- 3% on US gas stations + transit
- 1% on everything else
- 0% intro APR for 12 months
Wells Fargo Bilt Mastercard
- 1x points on rent (up to 100K points/year, no transaction fee)
- 3x on dining
- 2x on travel
- 1x on everything else
- Transfer to 14 airline + hotel partners
- No annual fee, no foreign transaction fees
FAQ
›Amex Blue Cash Preferred vs Wells Fargo Bilt Mastercard: which is better?
Wells Fargo Bilt Mastercard wins on more dimensions (3 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Amex Blue Cash Preferred for its best categories, Wells Fargo Bilt Mastercard for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amex Blue Cash Preferred: $250 statement credit after $3,000 in 6 months. Wells Fargo Bilt Mastercard: No welcome bonus — value lives in rent payments.