American Express® Gold Card vs Bilt Blue Card
American Express® Gold Card wins all 5 spending profiles. On earn math alone, this comparison leans one way.
Fees and perks at a glance
Annual fees: American Express® Gold Card $325/yr · Bilt Blue Card $0. The $325 gap has to be earned back in credits or perks.
American Express® Gold Card Credits: Dining credit ($10/month) · Uber Cash ($10/month) · Resy credit ($50 semi-annually) and 1 more
American Express® Gold Card Signup bonus: Up to 100,000 MR points after $8,000 spend in 6 months
Bilt Blue Card Signup bonus: $100 Bilt Cash welcome bonus on approval
Earn comparison by category
| Category | American Express® Gold Card | Bilt Blue Card |
|---|---|---|
| Dining | 8.00%4x × 2¢ | 1.80%1x × 1.8¢ |
| Groceries | 8.00%4x × 2¢ | 1.80%1x × 1.8¢ |
| Gas / EV charging | 2.00%1x × 2¢ | 1.80%1x × 1.8¢ |
| Travel | 2.00%1x × 2¢ | 1.80%1x × 1.8¢ |
| Everything else | 2.00%1x × 2¢ | 1.80%1x × 1.8¢ |
| Hotels via travel portals | 10.00%5x × 2¢ | 5.40%3x × 1.8¢ |
| Flights booked direct | 6.00%3x × 2¢ | 1.80%1x × 1.8¢ |
| Flights via travel portals | 6.00%3x × 2¢ | 3.60%2x × 1.8¢ |
| Prepaid car rentals | 4.00%2x × 2¢ | 1.80%1x × 1.8¢ |
| Rent | 2.00%1x × 2¢ | 2.25%1.25x × 1.8¢ |
Verdict by spending profile
| Category | American Express® Gold Card | Bilt Blue Card |
|---|---|---|
| Dining-heavy | 8.00% | 1.80% |
| Grocery-heavy | 8.00% | 1.80% |
| Gas-heavy | 2.00% | 1.80% |
| Travel-heavy | 2.00% | 1.80% |
| Everyday spending | 2.00% | 1.80% |
How is this comparison computed?
Effective return = category earn rate × point value. Example: 4x × 2.0¢ = 8.00% back (estimate).
This page compares the two cards' catalog earn rates only. Signup bonus amounts change over time, so they are not in the table.
Every % here is an estimate: point values are catalog assumptions, and actual value depends on how you redeem.
This page compares two cards only. Inside DanHana, the same math re-ranks by the cards in your own wallet -- so your personal best may differ.
Frequently asked questions
American Express® Gold Card vs Bilt Blue Card: which one is better?
American Express® Gold Card wins all 5 spending profiles. On earn math alone, this comparison leans one way.
How do the annual fees compare?
Annual fees: American Express® Gold Card $325/yr · Bilt Blue Card $0. The $325 gap has to be earned back in credits or perks. Catalog credits: American Express® Gold Card has 4, Bilt Blue Card has 0.
Where is the biggest gap?
Dining is where American Express® Gold Card leads by the most: 8.00% vs 1.80% (4x × 2¢ vs 1x × 1.8¢).
Are these returns guaranteed?
No -- every figure here is an estimate. Point values are catalog assumptions (e.g. Membership Rewards 2.0¢, Ultimate Rewards 1.5¢, cash back 1.0¢), and your actual value depends on how you redeem. Bonus rates can have annual caps, and issuers change terms -- check the card's official terms before applying.
Sources
Page updated: October 28, 2026