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CardCurator — Rewards Intelligence
Card Comparison

Bilt Mastercard vs Delta SkyMiles Gold American Express Card

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

Bilt Mastercard card art
Bilt Rewards
Bilt Mastercard
Wells Fargo
More Info
Delta SkyMiles Gold American Express Card card art
Delta SkyMiles
Delta SkyMiles Gold American Express Card
American Express
More Info
Annual Fee
No annual fee
$150/yr
Foreign Fees
None
None
Signup Bonus
None
See issuer
Top Earn Rates
  • Dining 3x
  • Travel 2x
  • Rent 1x
  • Delta Purchases 2x
  • Restaurants 2x
  • U.S. Supermarkets 2x
Reward Type
miles
miles
Key Credits
None
  • Delta Flight Credit $200
  • Delta Stays Credit $100
Transfer Partners
  • Atmos Rewards
  • Avianca LifeMiles
  • United MileagePlus
  • Flying Blue
  • Virgin Atlantic Flying Club
  • +19 more
No transfer partners
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Common Questions: Bilt Mastercard vs Delta SkyMiles Gold American Express Card

Is the Bilt Mastercard or Delta SkyMiles Gold American Express Card better for dining?

Bilt Mastercard earns 3x on dining; Delta SkyMiles Gold American Express Card earns 2x on dining. Bilt Mastercard wins for dining.

Which has the higher signup bonus in 2026?

Bilt Mastercard currently offers no current bonus. Delta SkyMiles Gold American Express Card offers $1125 signup bonus. Delta SkyMiles Gold American Express 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 Bilt Mastercard and the Delta SkyMiles Gold American Express Card?

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 Delta SkyMiles Gold American Express Card is from American Express, so they're governed by separate bank policies.