Choosing between the Blue Cash Everyday Card from American Express (no annual fee) and the Bilt World Elite Mastercard (no annual fee) comes down to where you spend most. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.
Strongest in groceries at 3% (up to $6,000/yr). 3% at U.S. supermarkets, gas stations, and online retail (each up to $6,000/yr).
Perfect if: You want solid rewards without paying an annual fee.
Apply NowUp to 1x points on rent/mortgage, 4% Bilt Cash on everyday spend. Earns a solid 4.0% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Blue Cash Everyday Card from American Express | Bilt World Elite Mastercard |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $2,000 spend in 6 months | None |
| Foreign Transaction Fee | 2.7% | 0% |
| Base Reward Rate | 1.0% | <strong>4.0%</strong> |
| Groceries Rewards | 3% (up to $6,000/yr) | <strong>4%</strong> |
| Gas Rewards | 3% (up to $6,000/yr) | <strong>4%</strong> |
| Key Benefits | 3% at U.S. supermarkets, gas stations, and online retail (each up to $6,000/yr). | Up to 1x points on rent/mortgage, 4% Bilt Cash on everyday spend. |
Bilt World Elite Mastercard wins on travel, dining, groceries, gas.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.