Head-to-head · 🇺🇸 United States
Amex Business Platinum vs Wells Fargo Bilt Mastercard
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Premium
American Express
Amex Business Platinum
AMERICAN
EXPRESS
EXPRESS
Wins 2 of 10
US
Wells Fargo
Wells Fargo Bilt Mastercard
Wins 2 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Amex Business Platinum | Wells Fargo Bilt Mastercard |
|---|---|---|
| Annual fee | · $695 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 5% (travel) | · 3% (travel) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 150,000 Membership Rewards points after $20,000 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 Platinum
- 5x points on flights + prepaid hotels via Amex Travel
- 1.5x on purchases ≥$5,000 (uncapped)
- Centurion + Priority Pass + Delta SkyClub access
- $200 airline fee credit + $200 dell credit + $400 Indeed credit
- Hilton Honors Gold + Marriott Bonvoy Gold
- Generous expense-management features (Vendor Pay)
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 Platinum vs Wells Fargo Bilt Mastercard: which is better?
It's a true tie — pick the one whose boost categories match your spend. Amex Business Platinum wins on 2 criteria, Wells Fargo Bilt Mastercard on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Amex Business Platinum 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 Platinum: 150,000 Membership Rewards points after $20,000 spend in 3 months. Wells Fargo Bilt Mastercard: No welcome bonus — value lives in rent payments.