The Costco Anywhere Visa edges out the Bilt Mastercard for most cardholders — it wins on 2 of 4 comparison categories and offers no current bonus earns more (up to 5x vs 3x). The Bilt Mastercard is the better choice if you prioritize a different rewards ecosystem.
Bilt Mastercard vs Costco Anywhere Visa
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Which Card Comes Out Ahead?
Costco Anywhere Visa is the stronger all-around option for most people in this matchup because it wins more measurable categories in our scoring model. Bilt Mastercard still makes sense if your spending pattern lines up better with its fee profile, issuer rules, or rewards ecosystem.
Best if transfer partners and redemption flexibility matter more than simplicity.
Best if you care most about stronger category earning on everyday spend.
Bilt Mastercard is no longer available for new applicants. Historical data is preserved here for reference.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- Dining 3x
- Travel 2x
- Rent 1x
- Gas at Costco 5x
- Eligible Gas and EV Charging 4x
- Restaurants 3x
- Costco Membership $65
- Atmos Rewards
- Avianca LifeMiles
- United MileagePlus
- Flying Blue
- Virgin Atlantic Flying Club
- +19 more
Quick summary
A short version of the comparison with the main differences at a glance.
The Costco Anywhere Visa edges out the Bilt Mastercard for most cardholders — it wins on 2 of 4 comparison categories and offers no current bonus earns more (up to 5x vs 3x). The Bilt Mastercard is the better choice if you prioritize a different rewards ecosystem. On raw upside, Costco Anywhere Visa tops out at 5x versus 3x for Bilt Mastercard. Current signup bonus values are roughly $0 for Bilt Mastercard and $0 for Costco Anywhere Visa. Summary generated June 22, 2026. Source: https://cardcurator.ai/compare/bilt-mastercard-vs-costco-anywhere-visa
- Costco Anywhere Visa wins 2 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Costco Anywhere Visa reaches 5x; Bilt Mastercard reaches 3x.
- Annual fee: Costco Anywhere Visa is no annual fee; Bilt Mastercard is no annual fee.
- Current public bonus values are approximately $0 and $0.
Common Questions: Bilt Mastercard vs Costco Anywhere Visa
Is the Bilt Mastercard or Costco Anywhere Visa better for dining?
Bilt Mastercard earns 3x on dining; Costco Anywhere Visa earns 3x on dining. Bilt Mastercard wins for dining.
Which has the higher signup bonus in 2026?
Neither card has a current public signup bonus. Check the issuers' sites for any targeted offers.
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 Bilt Mastercard and the Costco Anywhere Visa?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Bilt Mastercard is from Wells Fargo and Costco Anywhere Visa is from Citi, so they're governed by separate bank policies.
Keep Researching
If this matchup is close, the stronger next step is usually to read the full card reviews or use a broader ranking page instead of comparing random pairs one by one.