Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Bilt World Elite Mastercard (no annual fee) and the Costco Anywhere Visa® Card by Citi (no annual fee) comes down to where you spend most. Neither card has an annual fee, and Bilt World Elite Mastercard earns at least as much as Costco Anywhere Visa in every category, more on dining, groceries, flights, hotels, other travel and other purchases. Enter your monthly spending above to see which comes out ahead for you.
Up 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 NowStrongest in gas at 4% (up to $7,000/yr). 4% on gas/EV (up to $7,000/yr), 3% on restaurants and travel, 2% on Costco purchases.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Bilt World Elite Mastercard | Costco Anywhere Visa Card by Citi |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 4% | 1% |
| Travel Rewards | 4% | 3% |
| Dining Rewards | 4% | 3% |
| Gas Rewards | 4% | 4% (up to $7,000/yr) |
| Rates with conditions not counted in the rows above |
None |
5% on gas at Costco Earns 5% only on gas at Costco, within the same $7,000 yearly cap as other gas. Other gas stations earn 4%. 2% at Costco Earns 2% only at Costco and Costco.com. Groceries bought anywhere else earn 1%. |
| Key Benefits | Up to 1x points on rent/mortgage, 4% Bilt Cash on everyday spend. | 4% on gas/EV (up to $7,000/yr), 3% on restaurants and travel, 2% on Costco purchases. |
Bilt World Elite Mastercard pulls ahead for travel, dining, groceries spending.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.