Amex Business Gold vs Bilt Mastercard: Which Is Better In 2026?

Bilt Mastercard® Breakdown

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Why We Like It

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This section breaks down the key reasons why the Bilt Mastercard® stands out.

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• It’s one of the only cards that lets you earn rewards on your monthly rent payment without charging extra fees.
• Beyond rent, the card also offers valuable rewards on everyday spending categories like dining and travel.
• You have flexible options for redeeming your points, including unique perks related to travel and even future homeownership.

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Pros

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• A monthly “Rent Day” promotion offers the chance to earn bonus points on non-rent purchases.
• Points can be transferred to a variety of high-value airline and hotel partners, often increasing their value.
• The card provides a way to pay rent via check through its app, so you can earn rewards even if your landlord doesn't accept electronic payments.

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Cons

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• A minimum number of monthly transactions are required to earn points.
• There’s an annual cap on the points you can earn from rent payments.
• Some users have reported issues with customer service and the card’s mobile app.

Bilt Mastercard® vs American Express® Business Gold Card

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Categories

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When considering which is better Amex Business Gold or Bilt Mastercard, the answer depends entirely on your primary spending habits and financial goals.

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• American Express® Business Gold Card: This card is tailored for business owners, offering flexibility for companies with significant and varied business expenses across several categories.
• Bilt Mastercard®: Designed specifically for renters, this card's main appeal is its unique ability to let users earn rewards on rent payments.

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Redemption

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American Express® Business Gold Card: Points offer significant flexibility, allowing businesses to redeem them for travel, gift cards, or as statement credits against eligible charges. Cardholders can also transfer points to a variety of airline and hotel loyalty programs.

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Bilt Mastercard®: Points can be uniquely redeemed for rent payments, providing a direct way to lower housing expenses. They can also be transferred to numerous airline and hotel partners or used to book travel through the Bilt portal.

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Compare Top Rated Credit Cards with Kudos

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To eliminate the guesswork, tools like Kudos help you compare and select the best card by analyzing your actual spending patterns against nearly 3,000 credit cards.

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• Test drive a credit card: Before you apply, you can simulate your potential earnings with any card based on your real transaction history. This shows you a personalized projection of annual rewards and net value after fees.
• Approval odds analysis: Receive a detailed analysis based on your credit report to better understand your chances of approval for a new card.
• Welcome offer guarantee: If you find a better public welcome offer for a card you got through Kudos within three months, the platform will match it.
• Exclusive rewards: Unlock special offers like Kudos Boost for extra rewards when shopping and access to a $100 Kickstart+ reward for adding select approved cards to your Kudos Wallet.

Who Should Choose the American Express® Business Gold Card?

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The American Express® Business Gold Card is tailored for business owners with dynamic spending patterns across various categories, such as U.S. advertising, U.S. shipping, and airfare. It’s particularly well-suited for companies with over $50,000 in annual business spending that can take full advantage of the flexible rewards. The card's key feature is automatically earning 4X Membership Rewards® points on up to $150,000 in combined purchases annually in the top two spending categories each billing cycle (then 1X), which is perfect for those who value a card that adapts to their business's evolving expenses. Terms Apply.

Who Should Choose the Bilt Mastercard®?

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The Bilt Mastercard® (See Rates & Fees) is designed primarily for renters looking to earn rewards on their largest monthly expense without paying a transaction fee. It's also an excellent choice for those who frequently dine out or travel, thanks to its competitive rewards rates in these spending categories. To earn points on any purchases, cardholders must use the card 5 times each statement period.

Alternatives to Consider

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If our American Express® Business Gold Card vs. Bilt Mastercard® comparison has you feeling like neither option is the perfect fit, don't worry. There are plenty of other excellent rewards cards on the market that might better suit your spending habits and financial goals.

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[[ COMPARE_CARD * {"ids": ["509", "118"], "bestCategoryIds":["17", "18", "19"], "bestForTexts":["Exceptional Value", "Generous Travel Rewards"]} ]]

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_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Tips for Application Success

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Before You Apply

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• Check your credit score: Most rewards cards require a good to excellent credit history for approval.
• Review your spending habits: Make sure your typical purchases align with the card’s rewards and usage requirements.
• Understand issuer rules: Be aware of any application restrictions or bonus eligibility rules the card issuer may have.

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Application Strategy

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• Time your application: Apply before a large planned purchase to help meet any spending requirements for a welcome offer.
• Consider your spending patterns: Ensure your regular business expenses align with a card’s top bonus categories, like those on the American Express® Business Gold Card.
• Confirm usage requirements: Be aware that some cards, such as the Bilt Mastercard® (See Rates & Fees), require a minimum number of monthly transactions to earn rewards.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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Is the American Express Business Gold card only for business owners?

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While the American Express® Business Gold Card is designed for business expenses, you don't need a formal corporation to apply. Sole proprietors, freelancers, and gig economy workers can often qualify based on their individual income and credit history.

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Can I still earn points with the Bilt Mastercard if I don't pay rent?

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Yes, you can still earn points on other purchases with the Bilt Mastercard® (See Rates & Fees), though its main advantage is earning points on rent without a transaction fee. You must use the card 5 times each statement period to earn points on any purchase.

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How do the rewards programs for these cards differ?

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The Amex Business Gold earns Membership Rewards points, which are flexible and can be transferred to many airline and hotel partners. The Bilt Mastercard® earns Bilt Points, which can be used for rent, travel, or transferred to a unique set of travel partners.

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