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CardCurator — Rewards Intelligence
Card Comparison

American Express Business Gold Card vs Bilt Blue Card

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

American Express Business Gold Card card art
American Express Membership Rewards
American Express Business Gold Card
American Express
More Info
Bilt Blue Card card art
Bilt Rewards
Bilt Blue Card
Cardless
More Info
Annual Fee
$375/yr
No annual fee
Foreign Fees
None
None
Signup Bonus
100,000 points
Spend $15,000 in 3 months
10,000 points
Top Earn Rates
  • Electronics & Technology 4x
  • U.S. Advertising (Social Media, Search Engines) 4x
  • U.S. Shipping 4x
  • Dining 2x
  • Travel 1.5x
  • Rent 1x
Reward Type
miles
miles
Key Credits
  • Walmart+ Membership $12.95
  • Flexible Business Credit $20
  • SquareSpace.com $150
None
Card Perks
  • The Hotel Collection Access
  • Baggage Insurance Plan
None listed
Transfer Partners
  • Flying Blue
  • Delta SkyMiles
  • True Blue
  • Qatar Avios
  • Virgin Atlantic Flying Club
  • +13 more
  • Atmos Rewards
  • Avianca LifeMiles
  • United MileagePlus
  • Flying Blue
  • Virgin Atlantic Flying Club
  • +19 more
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Common Questions: American Express Business Gold Card vs Bilt Blue Card

Is the American Express Business Gold Card or Bilt Blue Card better for dining?

American Express Business Gold Card has no dining bonus; Bilt Blue Card earns 2x on dining.

Which has the higher signup bonus in 2026?

American Express Business Gold Card currently offers 100,000 pts signup bonus (spend $15,000 in 3 months). Bilt Blue Card offers 10,000 pts signup bonus. American Express Business Gold Card has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the American Express Business Gold Card and the Bilt Blue Card?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. American Express Business Gold Card is from American Express and Bilt Blue Card is from Cardless, so they're governed by separate bank policies.