Amex Business Gold vs Wells Fargo Bilt Mastercard
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Wells Fargo Bilt Mastercard wins 2-1. Pay rent without fees — only no-fee card that earns points on rent. Amex Business Gold is still the right call if small businesses — 4x on top 2 spend categories from a list of 6..
Side-by-side
| Criterion | Amex Business Gold | Wells Fargo Bilt Mastercard |
|---|---|---|
| Annual fee | · $375 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 4% (shopping) | · 3% (travel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 70,000 Membership Rewards points after $10,000 spend in 3 months | = No welcome bonus — value lives in rent payments |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 720 | 670 |
| Editorial rating | = 4.5/5 | = 4.5/5 |
Benefits compared
Amex Business Gold
- 4x on top 2 categories ($150K cap): airfare, gas, advertising, tech, restaurants, US shipping
- $20 monthly FedEx + Grubhub credit
- $240 Amex Business Line of Credit access
- No foreign transaction fees
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 Business Gold vs Wells Fargo Bilt Mastercard: which is better?
Wells Fargo Bilt Mastercard wins on more dimensions (2 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 Business Gold 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 Business Gold: 70,000 Membership Rewards points after $10,000 spend in 3 months. Wells Fargo Bilt Mastercard: No welcome bonus — value lives in rent payments.